Exhibit 99.1 Schedule 4

Exception Ratings

Run Date - 6/7/2021 12:08:29 PM              

Unique ID	Loan Exception ID	Exception ID	Exception Date	Exception Type	Exception Category	Exception Subcategory	Exception	Exception Detail	Exception Information
1	18577149	XXX	2020-03-24 14:43:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
2	18577151	XXX	2020-03-24 14:43:32	Credit	Loan Package Documentation	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 Disaster Declaration Date: XX/XX/2013 Disaster End Date:  XX/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	18577152	XXX	2020-03-24 14:43:32	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Loan is to go in a securitization and reflects only one valuation product when two are required.
4	18577153	XXX	2020-03-24 14:43:32	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.	GFE was not updated with the correct loan amount.
5	18577155	XXX	2020-03-24 14:43:32	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.	GFE was not updated with the correct loan amount.
6	18577160	XXX	2020-03-24 14:43:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
7	18577163	XXX	2020-03-24 14:43:32	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Loan is to go into a securitization, and an appraisal was provided.
8	18577164	XXX	2020-03-24 14:43:32	Compliance	Compliance	Federal Compliance	ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.	The Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer, but an appraisal was not done.
9	18577165	XXX	2020-03-24 14:43:32	Compliance	Compliance	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.
10	18577166	XXX	2020-03-24 14:43:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure - List of Homeownership Counseling Organizations Missing	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
11	18577145	XXX	2020-03-24 14:43:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
12	18577146	XXX	2020-03-24 14:43:32	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: HURRICANE XXX Disaster Declaration Date: XX/XX/2018 Disaster End Date:  XX/XX/2018
13	18577147	XXX	2020-03-24 14:43:32	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.
14	18577148	XXX	2020-03-24 14:43:32	Credit	Credit	Credit Documentation	No evidence of fraud report in file	Credit Report: Original // Borrower: XXX
15	18577150	XXX	2020-03-24 14:43:32	Compliance	Compliance	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.
16	18577170	XXX	2020-02-28 13:54:28	Credit	Borrower and Mortgage Eligibility	Mortgage / Program Eligibility	Missing Document: Note - Subordinate Lien not provided
17	18577171	XXX	2020-02-28 13:54:28	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/2008 Disaster End Date:  XX/XX/2008
18	18577172	XXX	2020-02-28 13:54:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
19	18577173	XXX	2020-02-28 13:54:28	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.
20	18577174	XXX	2020-02-28 13:54:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure - List of Homeownership Counseling Organizations Missing	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
21	18577175	XXX	2020-02-28 13:54:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $102,595.89 is underdisclosed from calculated Finance Charge of $102,653.69 in the amount of $57.80.	The lender did not include the Subordination Recording fee ($34.00) and an unspecified recording fee (25.00) in the finance charge calculations.
22	18577182	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
23	18577183	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: XX/XX/2014                  Disaster End Date: XX/XX/2017 Disaster Name: HURRICANE XXX Disaster Declaration Date: XX/XX/2017
24	18577184	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Application / Processing	Missing Document: AUS not provided
25	18577185	XXX	2020-03-18 16:40:18	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $102,008.87 is underdisclosed from calculated Finance Charge of $102,053.89 in the amount of $45.02.	Final TIL Finance Charge of $102,008.87 is underdisclosed from calculated Finance Charge of $102,053.89 in the amount of $45.02.
26	18577187	XXX	2020-03-18 16:40:18	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.
27	18577176	XXX	2020-03-30 23:20:09	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Subject refi Plus Loan was approved without an appraisal, however, 2 valuations will be required for securitization.
28	18577177	XXX	2020-03-30 23:20:09	Credit	Loan Package Documentation	Application / Processing	Missing Document: Approval not provided
29	18577178	XXX	2020-03-30 23:20:09	Compliance	Compliance	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.
30	18577179	XXX	2020-03-30 23:20:09	Compliance	Compliance	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.
31	18577180	XXX	2020-03-30 23:20:09	Compliance	Compliance	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.
32	18577181	XXX	2020-03-30 23:20:09	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: XX/XX/2014                  Disaster End Date: XX/XX/2014 Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/2014	Most Recent Valuation Inspection Date: XX/XX/2014                  Disaster End Date: XX/XX/2014 Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/2014
33	18577190	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Application / Processing	Missing Document: Flood Certificate not provided
34	18577191	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Loan File	Missing Document: Hazard Insurance Policy not provided
35	18577192	XXX	2020-03-18 16:40:18	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
36	18577193	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Application / Processing	Missing Document: Approval not provided
37	18577194	XXX	2020-03-18 16:40:18	Credit	Insurance	Insurance Documentation	Missing Document: Flood Insurance Policy not provided
38	18577195	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: HURRICANE XXX Disaster Declaration Date: XX/XX/2017 Disaster End Date:  XX/XX/2017
39	18577196	XXX	2020-03-18 16:40:18	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
40	18577197	XXX	2020-03-18 16:40:18	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Subject Refi Plus loan was approved without an appraisal, however, 2 valuations will be required for securitization.
41	18577198	XXX	2020-03-18 16:40:18	Credit	Income / Employment	Income Documentation	Income Docs Missing:	Borrower: XXX, Borrower: XXX	Missing Verbal Verification of Employment dated within 10 days prior to closing.
42	18577199	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
43	18577200	XXX	2020-03-18 16:40:18	Compliance	Compliance	Federal Compliance	ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.
44	18577201	XXX	2020-03-18 16:40:18	Compliance	Compliance	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.	Title Commitment is missing. Unable to determine the original lender for the loan being refinanced.
45	18577202	XXX	2020-03-18 16:40:18	Compliance	Compliance	Federal Compliance	RESPA Disclosure - List of Homeownership Counseling Organizations Missing	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
46	18577203	XXX	2020-03-18 16:40:18	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
47	18577204	XXX	2020-03-18 16:40:18	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
48	18577205	XXX	2020-03-18 16:40:18	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.	Borrowers signed a Commitment Letter onXX/XX/2014 stating the received a copy of the Transfer of Servicing Disclosure.
49	18577206	XXX	2020-03-18 16:40:18	Credit	Credit	Credit Documentation	No evidence of fraud report in file	Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX
50	18577207	XXX	2020-03-18 16:40:18	Credit	Insurance	Insurance Analysis	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Please provide Hazard Insurance policy.
51	18577208	XXX	2020-03-18 16:40:18	Credit	Insurance	Insurance Documentation	Flood Insurance Error: Insurance premium was not provided.		Please provide Flood Insurance policy.
52	18577210	XXX	2020-02-06 14:50:05	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Interest Rate on GFE Inaccurate	RESPA (2010): Interest Rate on GFE does not match Note.
53	18577211	XXX	2020-02-06 14:50:05	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
54	18577212	XXX	2020-02-06 14:50:05	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
55	18577213	XXX	2020-02-06 14:50:05	Compliance	Compliance	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/2014)
56	18577233	XXX	2020-02-06 15:17:29	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: SEVERE STORMS, TORNADOES, STRAIGHT-LINE WINDS, AND FLOODING Disaster Declaration Date: XX/XX/2014 Disaster End Date:  XX/XX/2014	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.
57	18577234	XXX	2020-02-06 15:17:29	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Subject loan was approved without an appraisal, however, 2 valuations will be required for securitization
58	18577235	XXX	2020-02-06 15:17:29	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
59	18577237	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
60	18577238	XXX	2020-03-18 16:40:18	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/1998 Disaster End Date:  XX/XX/1998	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.
61	18577239	XXX	2020-03-18 16:40:18	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Subject Refi Plus loan was approved without an appraisal, however, 2 valuations will be required for securitization.
62	18577241	XXX	2020-01-30 10:44:13	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
63	18577242	XXX	2020-01-30 10:44:13	Compliance	Property - Appraisal	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.
64	18577243	XXX	2020-01-30 10:44:13	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
65	18577244	XXX	2020-01-30 10:44:13	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
66	18577245	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
67	18577246	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
68	18577247	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	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.
69	18577248	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
70	18577249	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
71	18577250	XXX	2020-01-30 10:44:13	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
72	18577252	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
73	18577260	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
74	18577261	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	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.
75	18577262	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $153,322.40 is underdisclosed from calculated Finance Charge of $153,702.57 in the amount of $380.17.	Unable to determine under disclosure due to missing itemization of amount financed.
76	18577263	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
77	18577264	XXX	2020-01-30 10:44:13	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
78	18577265	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
79	18577266	XXX	2020-03-12 17:31:28	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
80	18577267	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
81	18577268	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
82	18577269	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
83	18577270	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
84	18577271	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
85	18577272	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
86	18577273	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
87	18577274	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
88	18577275	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
89	18577276	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
90	18577277	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
91	18577278	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
92	18577279	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
93	18577280	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $97,608.43 is underdisclosed from calculated Finance Charge of $98,126.68 in the amount of $518.25.	Unable to determine reason for fee under disclosure due to missing itemization
94	18577281	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
95	18577282	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
96	18577283	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
97	18577284	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
98	18577285	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
99	18577286	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.
100	18577287	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $46,171.93 is underdisclosed from calculated Finance Charge of $46,351.95 in the amount of $180.02.	Unable to determine under disclosure due to missing Itemization of amount financed
101	18577288	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
102	18577289	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
103	18577290	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
104	18577337	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
105	18577338	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
106	18577339	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not NMLS licensed or registered at time of application.
107	18577340	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.
108	18577341	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.
109	18577342	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.
110	18577343	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
111	18577344	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
112	18577345	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
113	18577346	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
114	18577347	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
115	18577348	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
116	18577349	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
117	18577350	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
118	18577351	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
119	18577352	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
120	18577353	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	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.
121	18577354	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
122	18577355	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
123	18577356	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
124	18577357	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
125	18577358	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
126	18577360	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
127	18577362	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
128	18577363	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
129	18577367	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
130	18577368	XXX	2020-01-30 10:44:13	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
131	18577369	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
132	18577370	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Maryland Counseling Disclosure Not In File	Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.
133	18577371	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided)	Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
134	18577372	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
135	18577381	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
136	18577382	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
137	18577383	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
138	18577384	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
139	18577385	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
140	18577386	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
141	18577387	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
142	18577388	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
143	18577389	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
144	18577390	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
145	18577391	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
146	18577392	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
147	18577408	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
148	18577409	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
149	18577410	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
150	18577411	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
151	18577412	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
152	18577413	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
153	18577414	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account Statement Missing	RESPA: Initial escrow account statement was not provided to the borrower.
154	18577415	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
155	18577416	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
156	18577417	XXX	2020-03-05 11:35:15	Compliance	Compliance	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).
157	18577418	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
158	18577419	XXX	2020-03-12 17:31:28	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
159	18577420	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
160	18577421	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
161	18577422	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
162	18577423	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
163	18577424	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
164	18577425	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final HUD-1 Inaccurate	RESPA (2010): Loan Amount on Final HUD-1 does not match Note.
165	18577426	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
166	18577427	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
167	18577428	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
168	18577429	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
169	18577430	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
170	18577431	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $110,290.04 is underdisclosed from calculated Finance Charge of $110,733.83 in the amount of $443.79.	TIL itemization did not disclose a closing protection letter fee of $35 and a closing settlement fee of $365 as prepaid finance charges.
171	18577432	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
172	18577433	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
173	18577434	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
174	18577435	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
175	18577436	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
176	18577446	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
177	18577447	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction	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.
178	18577448	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
179	18577449	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
180	18577450	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
181	18577451	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
182	18577452	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
183	18577453	XXX	2020-03-12 17:31:28	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
184	18577454	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
185	18577455	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
186	18577456	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
187	18577457	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $195,452.43 is underdisclosed from calculated Finance Charge of $196,058.28 in the amount of $605.85.	Unable to determine under disclosure due to missing the TIL itemization of amount financed.
188	18577458	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
189	18577459	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
190	18577460	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
191	18577461	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
192	18577462	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
193	18577480	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
194	18577481	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.
195	18577482	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.
196	18577483	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization not in approved license status to conduct loan origination activities.
197	18577484	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 801) Without Cure	RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
198	18577485	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) Without Cure	RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
199	18577486	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
200	18577487	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
201	18577488	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
202	18577496	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
203	18577497	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
204	18577498	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
205	18577499	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
206	18577500	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
207	18577501	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
208	18577502	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
209	18577503	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
210	18577504	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
211	18577505	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
212	18577506	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
213	18577507	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $78,844.30 is underdisclosed from calculated Finance Charge of $79,006.18 in the amount of $161.88.	Unable to determine reason for under disclosure due to missing the Itemization of Amount Financed.
214	18577508	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.
215	18577509	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
216	18577510	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
217	18577511	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
218	18577519	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Subordination Agreement not provided
219	18577520	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
220	18577521	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
221	18577522	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
222	18577523	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
223	18577524	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
224	18577525	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
225	18577531	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
226	18577532	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
227	18577533	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
228	18577534	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
229	18577535	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
230	18577536	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 801) Without Cure	RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
231	18577537	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
232	18577538	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) Without Cure	RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
233	18577539	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
234	18577540	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
235	18577541	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
236	18577542	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
237	18577543	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
238	18577544	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.
239	18577545	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
240	18577546	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.
241	18577547	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Not Provided Within 3 Business Days of Application	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
242	18577548	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
243	18577552	XXX	2020-03-12 17:31:28	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
244	18577553	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
245	18577554	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
246	18577555	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
247	18577556	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
248	18577557	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
249	18577558	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
250	18577559	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
251	18577560	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
252	18577564	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
253	18577565	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
254	18577566	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
255	18577567	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
256	18577568	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
257	18577569	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
258	18577570	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
259	18577571	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
260	18577572	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
261	18577584	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
262	18577585	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.
263	18577586	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
264	18577587	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
265	18577588	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
266	18577589	XXX	2020-03-05 11:35:15	Compliance	Compliance	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
267	18577579	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
268	18577580	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
269	18577581	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
270	18577582	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Georgia Home Loan (Arbitration Clause)	Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause.
271	18577583	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $74,439.41 is underdisclosed from calculated Finance Charge of $75,373.88 in the amount of $934.47.	Under disclosure is due to the incorrect payment streams disclosed on the final TIL.  The monthly MI premium is not accurately disclosed.
272	18577591	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
273	18577592	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
274	18577593	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
275	18577594	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
276	18577595	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
277	18577596	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
278	18577605	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
279	18577606	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
280	18577607	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
281	18577608	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
282	18577609	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
283	18577610	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
284	18577611	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
285	18577612	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
286	18577613	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $108,841.64 is underdisclosed from calculated Finance Charge of $109,086.74 in the amount of $245.10.	TIL itemization does not disclose  lender credit of $250 which is reflect on the final   HUD that was captured from line 204 page 1
287	18577614	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
288	18577615	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
289	18577616	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
290	18577619	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
291	18577620	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
292	18577621	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
293	18577622	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
294	18577623	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
295	18577624	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.
296	18577625	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
297	18577626	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
298	18577627	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
299	18577628	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
300	18577629	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
301	18577630	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
302	18577632	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $228,530.18 is underdisclosed from calculated Finance Charge of $228,642.18 in the amount of $112.00.	TIL itemization did not disclose the $100 subordination fee or the $11.98 tax fee as prepaid finance charges.
303	18577633	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
304	18577634	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
305	18577635	XXX	2020-02-05 14:47:14	Compliance	Compliance	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/2012, prior to three (3) business days from transaction date of XX/XX/2012.
306	18577636	XXX	2020-02-05 14:47:14	Compliance	Compliance	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).
307	18577637	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
308	18577642	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
309	18577643	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
310	18577644	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
311	18577645	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
312	18577646	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
313	18577647	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
314	18577648	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
315	18577649	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
316	18577650	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
317	18577651	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
318	18577652	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
319	18577653	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
320	18577654	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
321	18577655	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
322	18577656	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
323	18577657	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $91,057.91 is underdisclosed from calculated Finance Charge of $92,117.96 in the amount of $1,060.05.	Unable to determine fee under disclosure due to missing itemization of amount financed.
324	18577658	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
325	18577659	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
326	18577661	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
327	18577662	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
328	18577663	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
329	18577664	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $243,511.31 is underdisclosed from calculated Finance Charge of $246,861.25 in the amount of $3,349.94.	TIL Itemization did not disclose the origination fee of $2572.50350 and the prepaid interest of $774.38 as prepaid finance charges.
330	18577665	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
331	18577666	XXX	2020-02-13 11:26:48	Compliance	Compliance	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
332	18577667	XXX	2020-02-13 11:26:48	Compliance	Compliance	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/2012, prior to three (3) business days from transaction date of XX/XX/2012.
333	18577668	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance With Cure	RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.
334	18577669	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
335	18577670	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
336	18577671	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
337	18577672	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
338	18577673	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
339	18577674	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
340	18577675	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
341	18577676	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
342	18577677	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
343	18577678	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.
344	18577679	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
345	18577680	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
346	18577681	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) With Cure	RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1
347	18577682	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) With Cure	RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1
348	18577683	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
349	18577684	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
350	18577685	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Not Provided Within 3 Business Days of Application	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
351	18577686	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
352	18577687	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
353	18577688	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
354	18577689	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
355	18577690	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
356	18577691	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
357	18577692	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $249,078.72 is underdisclosed from calculated Finance Charge of $250,117.55 in the amount of $1,038.83.	Unable to determine under disclosure due to missing itemization of amount financed.
358	18577698	XXX	2020-01-30 10:44:13	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2011
359	18577708	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
360	18577709	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
361	18577710	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
362	18577711	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
363	18577712	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
364	18577713	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
365	18577714	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
366	18577715	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
367	18577716	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
368	18577717	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA - Incorrect HUD-1 Form Used	RESPA (2010) - Final HUD-1 Settlement Statement is not on the proper 2010 form.
369	18577718	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
370	18577719	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
371	18577720	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
372	18577721	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
373	18577722	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $24,021.58 is underdisclosed from calculated Finance Charge of $24,140.83 in the amount of $119.25.	Unable to determine under disclosure due to missing itemization of amount financed.
374	18577723	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
375	18577725	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2011
376	18577726	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
377	18577727	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
378	18577731	XXX	2020-03-12 17:31:28	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
379	18577732	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
380	18577733	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
381	18577734	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
382	18577735	XXX	2020-03-12 17:31:28	Compliance	Compliance	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
383	18577736	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) With Cure	RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1
384	18577737	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) With Cure	RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1
385	18577738	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $104,748.92 is underdisclosed from calculated Finance Charge of $104,843.86 in the amount of $94.94.	TIL itemization did not disclose a wire fee of $10 or title courier fee of $85 as prepaid finance charges.
386	18577739	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2011
387	18577740	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
388	18577741	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
389	18577742	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
390	18577743	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
391	18577744	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
392	18577745	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
393	18577746	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
394	18577747	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
395	18577748	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final GFE Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.
396	18577749	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
397	18577750	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Maryland Counseling Disclosure Not In File	Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.
398	18577751	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided)	Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
399	18577752	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Maryland Ability to Repay Not Verified	Maryland SB270:  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, if applicable.
400	18577753	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
401	18577754	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 5.03300% is underdisclosed from calculated APR of 5.23768% outside of 0.125% tolerance.
402	18577755	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $88,765.31 is underdisclosed from calculated Finance Charge of $90,925.32 in the amount of $2,160.01.	TIL itemization did not disclose an origination fee of $2935 as a prepaid finance charge. Also, TIL itemization over disclosed an administration fee of $775 as a prepaid finance charge.
403	18577756	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
404	18577757	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
405	18577758	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
406	18577769	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
407	18577770	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
408	18577771	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
409	18577772	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
410	18577773	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
411	18577774	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
412	18577775	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
413	18577776	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
414	18577777	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: Interest rate available through date not provided.	GFE Date: XX/XX/2011
415	18577778	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
416	18577779	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
417	18577780	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
418	18577781	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified)	Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.
419	18577782	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Minnesota Tangible Net Benefit Test	Minnesota Residential Mortgage Originator and Servicer Licensing Act: Unable to determine if mortgage loan provides a tangible net benefit to the borrower due to missing prior loan information.
420	18577783	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2011
421	18577787	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
422	18577788	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
423	18577789	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
424	18577790	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
425	18577791	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
426	18577792	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
427	18577793	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
428	18577794	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
429	18577795	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
430	18577796	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
431	18577797	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
432	18577798	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
433	18577799	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
434	18577800	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
435	18577801	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
436	18577802	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
437	18577803	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
438	18577804	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
439	18577805	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
440	18577806	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
441	18577807	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
442	18577808	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
443	18577809	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
444	18577810	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
445	18577811	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
446	18577812	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
447	18577813	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
448	18577814	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
449	18577815	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
450	18577816	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
451	18577817	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Interest Rate on GFE Inaccurate	RESPA (2010): Interest Rate on GFE does not match Note.
452	18577818	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
453	18577819	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
454	18577820	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
455	18577821	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
456	18577822	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	2011 TIL-MDIA - Introductory Escrow Payment Inaccurate	Unable to test the Escrow Payment on the Final TIL due to missing information.
457	18577823	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	2011 TIL-MDIA - Interest Rate Inaccurate	Unable to test Introductory Interest Rate due to missing information.
458	18577824	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	2011 TIL-MDIA - P&I Payment Inaccurate	Unable to determine if the Principal and Interest Payment on the Final TIL matches the Principal and Interest Payment on the loan due to missing information.
459	18577825	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate	Unable to determine if the Total Payment on the Final TIL matches the Total Payment on the loan due to missing information.
460	18577826	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Incorrect TIL Form Used	Truth in Lending Act (MDIA 2011): TIL disclosure not compliant under MDIA
461	18577827	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
462	18577828	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: TIL did not reflect the required verbiage
463	18577829	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.
464	18577830	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.
465	18577831	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
466	18577832	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided)	Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
467	18577833	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Maryland Ability to Repay Not Verified	Maryland SB270:  Borrower’s ability to repay not verified with reliable documentation.
468	18577834	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
469	18577835	XXX	2020-01-30 10:44:13	Compliance	Compliance	State Compliance	Maryland Counseling Disclosure Not In File	Maryland HB1399 - No evidence of counseling disclosure per Maryland HB 1399.
470	18577836	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
471	18577837	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2011
472	18577838	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final GFE Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.
473	18577839	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final HUD-1 Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.
474	18577867	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
475	18577868	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final HUD-1 Inaccurate	RESPA (2010): Loan Amount on Final HUD-1 does not match Note.
476	18577869	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
477	18577870	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
478	18577871	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
479	18577872	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
480	18577873	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
481	18577874	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
482	18577902	XXX	2020-01-30 10:44:13	Compliance	Property - Appraisal	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.
483	18577903	XXX	2020-01-30 10:44:13	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
484	18577904	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
485	18577905	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
486	18577906	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $134,677.57 is underdisclosed from calculated Finance Charge of $135,143.65 in the amount of $466.08.	There is a Lender credit on line 2054 for $852.50 which is not itemized therefore excluded.
487	18577907	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
488	18577908	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
489	18577909	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
490	18577911	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
491	18577912	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
492	18577913	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
493	18577914	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
494	18577915	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
495	18577916	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
496	18577917	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
497	18577918	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $127,535.34 is underdisclosed from calculated Finance Charge of $129,224.66 in the amount of $1,689.32.	Loan origination fee of $2339.14 and Pick up fee of $125 are not included in prepaid finance charges per TIL Itemization. Underwriting fee of $775 included in prepaid finance charges per TIL Itemization, but is not listed on final HUD.
498	18577919	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
499	18577920	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
500	18577921	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
501	18577922	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
502	18577923	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
503	18577924	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
504	18577925	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Not Provided Within 3 Business Days of Application	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
505	18577926	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
506	18577927	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
507	18577928	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
508	18577929	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
509	18577930	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
510	18577931	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
511	18577932	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
512	18577933	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
513	18577934	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
514	18577936	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
515	18577937	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Not Provided Within 3 Business Days of Application	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
516	18577938	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
517	18577939	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
518	18577940	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
519	18577941	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
520	18577942	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
521	18577943	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.
522	18577944	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $136,943.26 is underdisclosed from calculated Finance Charge of $137,092.70 in the amount of $149.44.	Unable to apply the $300 Seller credit on line 207 of the HUD due to missing the credit itemization.
523	18577945	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
524	18577951	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
525	18577952	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
526	18577953	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
527	18577954	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
528	18577955	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
529	18577963	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
530	18577964	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
531	18577965	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Interest Rate on Final HUD-1 Inaccurate	RESPA (2010): Interest Rate on Final HUD-1 does not match Note.
532	18577966	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
533	18577967	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
534	18577968	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
535	18577973	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
536	18577974	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account Statement Missing	RESPA: Initial escrow account statement was not provided to the borrower.
537	18577975	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
538	18577976	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
539	18577977	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account Statement Missing	RESPA: Initial escrow account statement was not provided to the borrower.
540	18577978	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $179,870.72 is underdisclosed from calculated Finance Charge of $180,579.75 in the amount of $709.03.	TIL itemization only disclosed Origination Fee in the amount of $817.05 and the final HUD reflects $1,559.37.
541	18578006	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
542	18578007	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
543	18578008	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
544	18578009	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
545	18578010	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
546	18578011	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $233,169.77 is underdisclosed from calculated Finance Charge of $233,257.75 in the amount of $87.98.	TIL itemization did not disclose a Flood Cert fee of $13 and a Release Tracking fee of $75 as prepaid finance charge.
547	18578012	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: AVM / Valuation Report Date: XX/XX/2010
548	18578013	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
549	18578014	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
550	18578015	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
551	18578016	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
552	18578017	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
553	18578018	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
554	18578019	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
555	18578021	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2009
556	18578022	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
557	18578023	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
558	18578024	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $258,022.70 is underdisclosed from calculated Finance Charge of $258,092.66 in the amount of $69.96.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
559	18578025	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit)	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
560	18578026	XXX	2020-01-30 10:44:13	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of  receipt of the loan application.
561	18578027	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
562	18578028	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
563	18578029	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
564	18578030	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
565	18578031	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
566	18578032	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2009
567	18578033	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
568	18578034	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
569	18578035	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2009
570	18578036	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
571	18578037	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
572	18578039	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
573	18578040	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
574	18578041	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
575	18578042	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
576	18578043	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
577	18578046	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
578	18578047	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
579	18578048	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
580	18578049	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
581	18578050	XXX	2020-03-12 17:31:28	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
582	18578051	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
583	18578067	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
584	18578068	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
585	18578069	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
586	18578072	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	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.
587	18578073	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
588	18578074	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
589	18578075	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
590	18578076	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
591	18578077	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	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.
592	18578078	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
593	18578079	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
594	18578080	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
595	18578081	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
596	18578082	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
597	18578083	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $614,041.76 is underdisclosed from calculated Finance Charge of $614,910.45 in the amount of $868.69.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
598	18578084	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
599	18578085	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
600	18578086	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
601	18578087	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
602	18578109	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
603	18578110	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
604	18578111	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
605	18578112	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
606	18578113	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
607	18578114	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
608	18578115	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
609	18578116	XXX	2020-01-30 10:44:13	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
610	18578117	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
611	18578118	XXX	2020-03-12 17:31:28	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
612	18578119	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
613	18578120	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
614	18578121	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
615	18578122	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
616	18578128	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
617	18578129	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
618	18578130	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
619	18578131	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
620	18578132	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
621	18578133	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/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.
622	18578134	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
623	18578135	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
624	18578142	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
625	18578143	XXX	2020-03-12 17:31:28	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) RTC Error:  Right to Cancel expiration date is blank.
626	18578144	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
627	18578145	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
628	18578146	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
629	18578147	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $54,801.98 is underdisclosed from calculated Finance Charge of $54,864.27 in the amount of $62.29.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
630	18578155	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
631	18578156	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
632	18578157	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
633	18578158	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
634	18578165	XXX	2020-02-13 11:26:48	Compliance	Compliance	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
635	18578171	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
636	18578172	XXX	2020-03-12 17:31:28	Compliance	Property - Appraisal	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.
637	18578173	XXX	2020-03-12 17:31:28	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
638	18578174	XXX	2020-03-12 17:31:28	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
639	18578175	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
640	18578176	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
641	18578177	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
642	18578178	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
643	18578179	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
644	18578180	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
645	18578185	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
646	18578186	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
647	18578187	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
648	18578188	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
649	18578192	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
650	18578193	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
651	18578194	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
652	18578195	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
653	18578196	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
654	18578197	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
655	18578201	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
656	18578202	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $467,862.17 is underdisclosed from calculated Finance Charge of $468,067.11 in the amount of $204.94.	TIL Itemization did not disclose the recording service fee of $205 as a prepaid finance charge.
657	18579717	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
658	18579718	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
659	18579719	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
660	18579720	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $518,299.89 is underdisclosed from calculated Finance Charge of $518,674.89 in the amount of $375.00.	TIL itemization did not disclose an assignment fee of $550 as prepaid finance charge.
661	18579721	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
662	18579722	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
663	18579723	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
664	18579724	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
665	18579725	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
666	18579728	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
667	18579729	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
668	18579730	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
669	18579731	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
670	18579732	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
671	18579733	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
672	18579734	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
673	18579735	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
674	18579736	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice)	Virginia Mortgage Lender and Broker Act:  Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.
675	18579739	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
676	18579740	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
677	18579741	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
678	18579742	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
679	18579743	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
680	18579745	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
681	18579746	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
682	18579747	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
683	18579748	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
684	18579749	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
685	18579750	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
686	18579751	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
687	18579752	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
688	18579753	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.	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 the borrower received.
689	18579754	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
690	18579755	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
691	18579756	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
692	18579757	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
693	18579758	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
694	18579759	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
695	18579760	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
696	18579761	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
697	18579767	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
698	18579768	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
699	18579769	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
700	18579774	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
701	18579775	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
702	18579776	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
703	18579777	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
704	18579779	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
705	18579780	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $145,341.74 is underdisclosed from calculated Finance Charge of $145,716.76 in the amount of $375.02.	TIL itemization did not disclose Settlement Fee of $375.00 as a prepaid finance charge
706	18579781	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
707	18579782	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
708	18579783	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
709	18579784	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
710	18579785	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
711	18579786	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
712	18579787	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $293,482.83 is underdisclosed from calculated Finance Charge of $293,592.14 in the amount of $109.31.	TIL itemization did not disclose a post closing fee of $200 as a prepaid finance charge.
713	18579791	XXX	2020-03-26 14:10:22	Compliance	Missing Document	General	Incomplete Document: Right to Cancel (RTC) is incomplete		Expiration date is not listed on the document.
714	18579792	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
715	18579793	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
716	18579794	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
717	18579800	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
718	18579801	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
719	18579802	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
720	18579803	XXX	2020-03-05 11:35:15	Compliance	Compliance	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
721	18579804	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
722	18579805	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
723	18579806	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
724	18579807	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
725	18579808	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
726	18579809	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $104,901.14 is underdisclosed from calculated Finance Charge of $105,215.57 in the amount of $314.43.	TIL itemization did not disclose a Title Service Charge fee of $309.40 as prepaid finance charge.
727	18579810	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
728	18579811	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
729	18579812	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
730	18579813	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
731	18579814	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
732	18579815	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
733	18579816	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2008 used as disbursement date for compliance testing.
734	18579817	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
735	18579818	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
736	18579834	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
737	18579835	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
738	18579836	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
739	18579838	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
740	18579839	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
741	18579840	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Illinois Late Charge Percent Testing	Illinois Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
742	18579841	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
743	18579842	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
744	18579849	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
745	18579850	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
746	18579851	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
747	18579852	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
748	18579853	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
749	18579854	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $387,016.20 is underdisclosed from calculated Finance Charge of $387,193.82 in the amount of $177.62.	Final TIL reflects MI dropping off after only 117 months whereas audited TIL reflects MI dropping off after 118 months.
750	18579855	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 7.83800% is overdisclosed from calculated APR of 7.26787% outside of 0.125% tolerance.
751	18579856	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
752	18579859	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
753	18579860	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
754	18579861	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
755	18579862	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
756	18579863	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
757	18579864	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
758	18579865	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $144,822.87 is underdisclosed from calculated Finance Charge of $145,097.96 in the amount of $275.09.	Unable to determine under disclosure due to missing itemization of amount financed.
759	18579866	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
760	18579867	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2008
761	18579868	XXX	2020-03-12 17:31:28	Compliance	Compliance	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)
762	18579869	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
763	18579870	XXX	2020-02-05 14:47:14	Compliance	Compliance	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
764	18579871	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
765	18579872	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
766	18579873	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
767	18579874	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $446,472.00 is underdisclosed from calculated Finance Charge of $446,724.81 in the amount of $252.81.	TIL Itemization did not disclose the closing fee of $1116.52 as prepaid finance charges.
768	18579875	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
769	18579876	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
770	18579877	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
771	18579878	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
772	18579879	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $579,434.46 is underdisclosed from calculated Finance Charge of $579,724.43 in the amount of $289.97.	Unable to determine under disclosure due to missing itemization of amount financed.
773	18579880	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
774	18579881	XXX	2020-03-05 11:35:15	Compliance	Compliance	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).
775	18579882	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
776	18579883	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
777	18579884	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
778	18579885	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
779	18579890	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
780	18579891	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
781	18579892	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
782	18579893	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
783	18579894	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
784	18579895	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
785	18579896	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
786	18579897	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
787	18579898	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	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.
788	18579899	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2008
789	18579900	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
790	18579901	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)	Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.
791	18579902	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
792	18579903	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
793	18579909	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
794	18579910	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
795	18579911	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
796	18579912	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
797	18579929	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
798	18579930	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
799	18579931	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
800	18579932	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
801	18579933	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
802	18579934	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
803	18579935	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
804	18579936	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
805	18579937	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
806	18579955	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
807	18579957	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $235,531.11 is underdisclosed from calculated Finance Charge of $235,571.56 in the amount of $40.45.	Itemization does not disclosed Tax Pickup Fee $30.00 as a prepaid finance charge.
808	18579963	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
809	18579964	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified)	Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.
810	18579965	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
811	18579966	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
812	18579967	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
813	18579971	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
814	18579972	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
815	18579973	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
816	18579974	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
817	18579975	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
818	18579976	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
819	18579977	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
820	18579978	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
821	18579979	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
822	18579980	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
823	18579981	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
824	18579982	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
825	18579983	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
826	18579987	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
827	18579988	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
828	18579989	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
829	18579990	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
830	18579991	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
831	18579994	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
832	18579995	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
833	18579996	XXX	2020-02-05 14:47:14	Compliance	Compliance	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
834	18579997	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
835	18579998	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
836	18579999	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
837	18580017	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $409,930.46 is underdisclosed from calculated Finance Charge of $411,090.46 in the amount of $1,160.00.	The Lender's TIL reflects MI dropping off after 180 months, however, the audited TIL indicates MI should drop off after 209 months.
838	18580021	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
839	18580025	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
840	18580026	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
841	18580027	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
842	18580028	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
843	18580029	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
844	18580030	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
845	18580031	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
846	18580032	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
847	18580033	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
848	18580034	XXX	2020-03-12 17:31:28	Compliance	Property - Appraisal	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.
849	18580035	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
850	18580036	XXX	2020-03-12 17:31:28	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
851	18580037	XXX	2020-03-12 17:31:28	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
852	18580039	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
853	18580040	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
854	18580041	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
855	18580042	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
856	18580043	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Application / Processing	Missing Document: Missing Lender's Initial 1003
857	18580044	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2008 used as disbursement date for compliance testing.
858	18580045	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
859	18580046	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
860	18580047	XXX	2020-03-20 10:27:40	Compliance	Compliance	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
861	18580048	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
862	18580049	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
863	18580051	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
864	18580052	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
865	18580053	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
866	18580054	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
867	18580055	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
868	18580056	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
869	18580057	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
870	18580060	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
871	18580061	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
872	18580062	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
873	18580063	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
874	18580064	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
875	18580065	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
876	18580067	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
877	18580068	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
878	18580069	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
879	18580092	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	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.
880	18580093	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
881	18580094	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
882	18580095	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
883	18580097	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
884	18580098	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
885	18580099	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $522,324.88 is underdisclosed from calculated Finance Charge of $522,380.83 in the amount of $55.95.	Under disclosure is due to the lender’s TIL reflecting MI being in force for 116 months, however based on the loan amount and appraised value the MI would be in force for 117 months.
886	18580096	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
887	18580101	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
888	18580102	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
889	18580103	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
890	18580104	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
891	18580105	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Illinois Late Charge Percent Testing	Illinois Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
892	18580106	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Illinois Prepayment Penalty	Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of  greater than 8%. Loan contracts for an interest rate of 8.65000%.
893	18580109	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
894	18580110	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
895	18580111	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
896	18580113	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
897	18580114	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
898	18580115	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
899	18580116	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
900	18580127	XXX	2020-02-05 14:47:14	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
901	18580128	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
902	18580129	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
903	18580130	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
904	18580131	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
905	18580132	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
906	18580133	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
907	18580135	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
908	18580136	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
909	18580137	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
910	18580142	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
911	18580143	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
912	18580145	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
913	18580146	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Mississippi Late Charge Grace Period Testing	Mississippi Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
914	18580147	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Mississippi Late Charge Percent and Amount Testing > $100,000	Mississippi Late Charge: Note late charge of 6.00000%/$68.23 exceeds state maximum of 4% or $5, whichever is greater.
915	18580148	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Mississippi Prepayment Penalty	Mississippi Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% [in Years 1-5]. Loan contracts for prepay percentages of 5.93750%, 5.93750%, 5.93750%,   which exceeds the max allowable.
916	18580149	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
917	18580155	XXX	2020-02-05 14:47:14	Compliance	Compliance	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
918	18580156	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
919	18580157	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
920	18580158	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
921	18580159	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	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.
922	18580160	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
923	18580161	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
924	18580162	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
925	18580163	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
926	18580164	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
927	18580165	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
928	18580166	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
929	18580167	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
930	18580168	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
931	18580169	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
932	18580170	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
933	18580171	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
934	18580172	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
935	18580173	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
936	18580175	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
937	18580176	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
938	18580177	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
939	18580178	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
940	18580179	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely)	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
941	18580180	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
942	18580181	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
943	18580190	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
944	18580191	XXX	2020-02-05 14:47:14	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
945	18580192	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
946	18580193	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
947	18580194	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
948	18580195	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
949	18580196	XXX	2020-02-05 14:47:14	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
950	18580197	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
951	18580198	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
952	18580199	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
953	18580200	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
954	18580201	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
955	18580202	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
956	18580206	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
957	18580207	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
958	18580208	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
959	18580225	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
960	18580226	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
961	18580227	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
962	18580228	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
963	18580229	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
964	18580230	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
965	18580231	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
966	18580232	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
967	18580246	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
968	18580247	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
969	18580248	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
970	18580249	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
971	18580250	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
972	18580257	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
973	18580258	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
974	18580259	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
975	18580260	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Michigan Consumer Mortgage Protection Act (Counseling Agencies List)	Unable to test counseling agencies list due to missing information.
976	18580261	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
977	18580262	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
978	18580263	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
979	18580264	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
980	18580265	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
981	18580266	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
982	18580268	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
983	18580269	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
984	18580270	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
985	18580271	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
986	18580273	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
987	18580274	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
988	18580275	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
989	18580276	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
990	18580277	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
991	18580278	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
992	18580279	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
993	18580280	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
994	18580281	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
995	18580282	XXX	2020-03-10 17:56:16	Compliance	Compliance	Federal Compliance	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.
996	18580295	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
997	18580296	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
998	18580297	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
999	18580303	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1000	18580304	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
1001	18580305	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1002	18580306	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1003	18580307	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1004	18580339	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1005	18580340	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1006	18580350	XXX	2020-03-22 17:47:29	Compliance	Compliance	Federal Compliance	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.
1007	18580351	XXX	2020-03-22 17:47:29	Compliance	Compliance	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.
1008	18580352	XXX	2020-03-22 17:47:29	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1009	18580353	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1010	18580354	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
1011	18580355	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1012	18580356	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1013	18580357	XXX	2020-02-05 14:47:14	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
1014	18580358	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1015	18580359	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1016	18580360	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1017	18580361	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1018	18580362	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1019	18580363	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1020	18580365	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1021	18580366	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1022	18580367	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1023	18580368	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1024	18580369	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1025	18580370	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1026	18580371	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1027	18580372	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1028	18580373	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1029	18580374	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1030	18580375	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1031	18580376	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1032	18580377	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
1033	18580378	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1034	18580379	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1035	18580380	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1036	18580381	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1037	18580388	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1038	18580389	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
1039	18580390	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1040	18580391	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1041	18580392	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2007 used as disbursement date for compliance testing.
1042	18580393	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1043	18580394	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1044	18580395	XXX	2020-02-05 14:47:14	Compliance	Compliance	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
1045	18580396	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1046	18580397	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1047	18580403	XXX	2020-02-13 11:26:48	Compliance	Compliance	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
1048	18580404	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
1049	18580405	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1050	18580406	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1051	18580411	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1052	18580413	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1053	18580414	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1054	18580415	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $194,413.18 is underdisclosed from calculated Finance Charge of $194,555.94 in the amount of $142.76.	Unable to determine under disclosure due to missing Itemization of amount financed
1055	18580416	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1056	18580417	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1057	18580418	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1058	18580419	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1059	18580420	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1060	18580421	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1061	18580422	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1062	18580423	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $211,703.88 is underdisclosed from calculated Finance Charge of $212,729.47 in the amount of $1,025.59.	Under disclosure is due to MI. The TIL payment stream shows MI dropping off after month 120 whereas the Actual Payment stream lists MI as dropping off after month 167.
1063	18580427	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1064	18580428	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1065	18580429	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1066	18580430	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1067	18580431	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1068	18580432	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1069	18580433	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1070	18580439	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1071	18580440	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $298,897.18 is underdisclosed from calculated Finance Charge of $299,172.19 in the amount of $275.01.	Unable to determine under disclosure due to missing the TIL itemization of amount financed.
1072	18580441	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1073	18580442	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1074	18580443	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1075	18580444	XXX	2020-03-22 17:47:29	Compliance	Compliance	Federal Compliance	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.
1076	18580445	XXX	2020-03-22 17:47:29	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1077	18580446	XXX	2020-03-22 17:47:29	Compliance	Compliance	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.
1078	18580447	XXX	2020-03-22 17:47:29	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
1079	18580448	XXX	2020-03-22 17:47:29	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
1080	18580449	XXX	2020-03-22 17:47:29	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1081	18580450	XXX	2020-03-22 17:47:29	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
1082	18580451	XXX	2020-03-22 17:47:29	Compliance	Loan Package Documentation	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.
1083	18580452	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1084	18580453	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1085	18580454	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1086	18580457	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1087	18580458	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1088	18580465	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
1089	18580470	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1090	18580471	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1091	18580472	XXX	2020-02-05 14:47:14	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
1092	18580473	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2007 used as disbursement date for compliance testing.
1093	18580474	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1094	18580475	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1095	18580476	XXX	2020-02-05 14:47:14	Compliance	Compliance	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
1096	18580477	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1097	18580478	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1098	18580479	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
1099	18580480	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1100	18580481	XXX	2020-03-31 11:32:12	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1101	18580485	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
1102	18580486	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1103	18580487	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $242,535.69 is underdisclosed from calculated Finance Charge of $242,581.64 in the amount of $45.95.	Unable to determine reason for under disclosure due to missing Itemization of prepaid finance charges.
1104	18580488	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
1105	18580489	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely)	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
1106	18580490	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1107	18580491	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1108	18580492	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1109	18580493	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1110	18580494	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1111	18580506	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1112	18580507	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1113	18580508	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1114	18580509	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1115	18580510	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1116	18580511	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1117	18580512	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1118	18580513	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1119	18580514	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1120	18580515	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1121	18580516	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1122	18580519	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1123	18580520	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1124	18580521	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1125	18580522	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1126	18580523	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1127	18580524	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
1128	18580525	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
1129	18580526	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1130	18580527	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Closing / Title	Missing Document: Security Instrument - Subject Lien not provided
1131	18580528	XXX	2020-02-05 14:47:14	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
1132	18580529	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
1133	18580530	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1134	18580531	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1135	18580532	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	County Name Missing	County from the Security Instrument was not provided.
1136	18580533	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2007 used as disbursement date for compliance testing.
1137	18580534	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1138	18580535	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1139	18580536	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1140	18580537	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1141	18580538	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1142	18580539	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1143	18580540	XXX	2020-02-05 14:47:14	Compliance	Compliance	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
1144	18580541	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1145	18580542	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1146	18580543	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1147	18580544	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1148	18580545	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
1149	18580546	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1150	18580547	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1151	18580548	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1152	18580549	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1153	18580550	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1154	18580551	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1155	18580552	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1156	18580554	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1157	18580555	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1158	18580556	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1159	18580557	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1160	18580558	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1161	18580559	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1162	18580560	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1163	18580561	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1164	18580562	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1165	18580563	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1166	18580564	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1167	18580565	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1168	18580570	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1169	18580572	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1170	18580573	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1171	18580577	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1172	18580578	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1173	18580579	XXX	2020-02-05 14:47:14	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1174	18580581	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $678,661.75 is underdisclosed from calculated Finance Charge of $678,988.75 in the amount of $327.00.	Unable to determine reason for under disclosure due to missing itemization
1175	18580582	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1176	18580583	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1177	18580584	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1178	18580585	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1179	18580586	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1180	18580587	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1181	18580588	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1182	18580589	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1183	18580590	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
1184	18580591	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1185	18580592	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1186	18580593	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1187	18580594	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1188	18580595	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $522,260.16 is underdisclosed from calculated Finance Charge of $522,336.73 in the amount of $76.57.	TIL itemization did not reflect a Courier Fee in the amount of $80.00 as prepaid finance charges.
1189	18580596	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1190	18580597	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1191	18580598	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1192	18580599	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1193	18580600	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
1194	18580601	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1195	18580604	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1196	18580605	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1197	18580606	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1198	18580614	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1199	18580615	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1200	18580612	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1201	18580613	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1202	18580616	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
1203	18580617	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1204	18580618	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1205	18580625	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1206	18580626	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1207	18580627	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1208	18580628	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1209	18580631	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1210	18580632	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1211	18580636	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1212	18580637	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1213	18580639	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $557,202.20 is underdisclosed from calculated Finance Charge of $561,987.35 in the amount of $4,785.15.	TIL Itemization does not include $3190 origination fee;  The balance of the underdisclosure is due to lender TIL reflecting the MI declining in the second payment stream after 60 months, with actual being 90 months.
1214	18580640	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1215	18580641	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1216	18580642	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1217	18580643	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1218	18580644	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1219	18580645	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
1220	18580646	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1221	18580647	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1222	18580650	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1223	18580651	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1224	18580652	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1225	18580653	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
1226	18580654	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $146,641.86 is underdisclosed from calculated Finance Charge of $146,771.83 in the amount of $129.97.	Unable to determine under disclosure due to missing itemization of amount financed.
1227	18580663	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1228	18580664	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1229	18580665	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1230	18580670	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1231	18580671	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1232	18580672	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1233	18580673	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1234	18580678	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1235	18580679	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1236	18580680	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1237	18580681	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1238	18580682	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1239	18580683	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $474,647.59 is underdisclosed from calculated Finance Charge of $474,699.55 in the amount of $51.96.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
1240	18580684	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1241	18580685	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1242	18580690	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
1243	18580691	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1244	18580692	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1245	18580693	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1246	18580694	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1247	18580695	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1248	18580696	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1249	18580697	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1250	18580698	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1251	18580708	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1252	18580709	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1253	18580710	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $559,607.08 is underdisclosed from calculated Finance Charge of $561,745.47 in the amount of $2,138.39.	Lenders Final TIL represents 241 monthly payments of MI. Whereas audited finance charge reflects 293 monthly payments of MI and a fall-off after approximately 78% LTV.
1254	18580711	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.	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.
1255	18580712	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
1256	18580713	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1257	18580714	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1258	18580715	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $591,674.59 is underdisclosed from calculated Finance Charge of $596,998.76 in the amount of $5,324.17.	Unable to determine underdisclosure due to missing itemization of amount financed.
1259	18580717	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
1260	18580718	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1261	18580719	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1262	18580722	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1263	18580727	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1264	18580728	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1265	18580729	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1266	18580730	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1267	18580731	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1268	18580732	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1269	18580733	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1270	18580734	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1271	18580735	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1272	18580736	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1273	18580737	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1274	18580738	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1275	18580739	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1276	18580741	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1277	18580742	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1278	18580743	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $621,709.65 is underdisclosed from calculated Finance Charge of $623,532.12 in the amount of $1,822.47.	Unable to determine cause of under disclosure due to missing itemization of  seller credit. SitusAMC applied the credit to the non finance charges first.
1279	18580744	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1280	18580758	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1281	18580759	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	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.
1282	18580760	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1283	18580761	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1284	18580762	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1285	18580763	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1286	18580764	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1287	18580765	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1288	18580766	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
1289	18580767	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1290	18580768	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
1291	18580769	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1292	18580770	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1293	18580773	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1294	18580774	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
1295	18580775	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1296	18580776	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1297	18580777	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
1298	18580778	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1299	18580779	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1300	18580780	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1301	18580781	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1302	18580782	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1303	18580783	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1304	18580784	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1305	18580785	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1306	18580786	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1307	18580787	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1308	18580788	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1309	18580789	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1310	18580790	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1311	18580791	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1312	18580792	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1313	18580793	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1314	18580794	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1315	18580795	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1316	18580796	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1317	18580797	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1318	18580798	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1319	18580802	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
1320	18580813	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1321	18580815	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1322	18580816	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1323	18580817	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1324	18580819	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1325	18580820	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1326	18580821	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1327	18580822	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1328	18580823	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1329	18580824	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1330	18580825	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1331	18580826	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1332	18580827	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1333	18580828	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1334	18580829	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $111,886.86 is underdisclosed from calculated Finance Charge of $112,131.07 in the amount of $244.21.	The Lender's TIL reflects MI dropping off after 118 months, however, the audited TIL indicates MI should drop off after 134 months.
1335	18580832	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1336	18580842	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1337	18580843	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1338	18580844	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1339	18580845	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1340	18580846	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1341	18580847	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1342	18580848	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1343	18580849	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1344	18580850	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1345	18580851	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1346	18580864	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1347	18580865	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1348	18580866	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
1349	18580867	XXX	2020-02-05 14:47:14	Compliance	Compliance	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
1350	18580871	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1351	18580872	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 7.27700% is underdisclosed from calculated APR of 7.40990% outside of 0.125% tolerance.
1352	18580873	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $43,821.96 is underdisclosed from calculated Finance Charge of $44,375.91 in the amount of $553.95.	Unable to determine under disclosure due to missing itemization of amount financed.
1353	18580874	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
1354	18580875	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1355	18580880	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1356	18580881	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1357	18580882	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
1358	18580883	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1359	18580884	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1360	18580885	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1361	18580886	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1362	18580887	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1363	18580888	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1364	18580889	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1365	18580890	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1366	18580891	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
1367	18580892	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1368	18580893	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1369	18580894	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
1370	18580895	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1371	18580896	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1372	18580897	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1373	18580898	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1374	18580899	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $373,055.01 is underdisclosed from calculated Finance Charge of $374,648.05 in the amount of $1,593.04.	Under Disclosure is due to MI. Actual Payment Stream shows MI dropping off after month 120.  However, the TIL payment stream does not show MI dropping off until after month 162.
1375	18580900	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $447,744.22 is underdisclosed from calculated Finance Charge of $448,427.28 in the amount of $683.06.	Under disclosure of $1288.03 is payment stream related due to the Final TIL reflecting an MI pay stream of 180 months and Actual calculated MI pay stream is 209 months.
1376	18580901	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1377	18580902	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1378	18580903	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1379	18580907	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1380	18580908	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1381	18580909	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1382	18580910	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1383	18580912	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1384	18580913	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1385	18580915	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1386	18580916	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
1387	18580917	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1388	18580918	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1389	18580919	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1390	18580920	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1391	18580921	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1392	18580922	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1393	18580925	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1394	18580926	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL APR Tolerance Irregular Transaction	Truth In Lending Act:  Final TIL APR of 9.16100% is underdisclosed from calculated APR of 9.43473% outside of 0.125% tolerance.	Under disclosed in the payment stream.  Final TIl includes MI for the first 93 months; however, the calculated term is 166 months.
1395	18580927	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $105,792.96 is underdisclosed from calculated Finance Charge of $108,960.05 in the amount of $3,167.09.	Under disclosure due to the final TIL includes MI for the first 93 months; however, the calculated term is 166 months.
1396	18580928	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1397	18580929	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1398	18580930	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1399	18580941	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1400	18580942	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1401	18580943	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1402	18580946	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1403	18580947	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1404	18580948	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1405	18580949	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1406	18580950	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1407	18580954	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1408	18580955	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1409	18580956	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1410	18580957	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1411	18580960	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1412	18580961	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1413	18580962	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1414	18580963	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1415	18580964	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1416	18580965	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $260,333.66 is underdisclosed from calculated Finance Charge of $261,513.41 in the amount of $1,179.75.	Unable to determine under disclosure due to missing itemization of amount financed.
1417	18580966	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1418	18580967	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1419	18580968	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1420	18580969	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1421	18580970	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1422	18580971	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1423	18580972	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1424	18580973	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
1425	18580978	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1426	18580979	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1427	18580980	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1428	18580981	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1429	18580982	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	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.
1430	18580983	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1431	18580984	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2007
1432	18580985	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1433	18580986	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1434	18580987	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1435	18580988	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1436	18580991	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1437	18580992	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2007
1438	18580993	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1439	18580994	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1440	18580995	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1441	18580996	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1442	18580997	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1443	18580998	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1444	18580999	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1445	18581000	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1446	18581001	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1447	18581002	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1448	18581003	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1449	18581004	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1450	18581005	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1451	18581020	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1452	18581021	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1453	18581023	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1454	18581024	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1455	18581025	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1456	18581026	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1457	18581027	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $243,717.84 is underdisclosed from calculated Finance Charge of $244,741.74 in the amount of $1,023.90.	Under disclosure is due to the lender’s TIL reflecting MI being in force for 166 months at varying amounts, however based on the loan amount and appraised value the calculated MI would be in force for 166 months at constant amounts.
1458	18581029	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1459	18581030	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1460	18581034	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1461	18581035	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1462	18581036	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1463	18581037	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1464	18581038	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1465	18581039	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1466	18581040	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1467	18581041	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1468	18581042	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1469	18581043	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1470	18581044	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1471	18581045	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1472	18581056	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1473	18581057	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided Timely)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure at the time of closing.
1474	18581058	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1475	18581059	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1476	18581060	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $306,741.92 is underdisclosed from calculated Finance Charge of $307,664.44 in the amount of $922.52.	Unable to determine under disclosure due to missing itemization of amount financed.
1477	18581061	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1478	18581062	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1479	18581063	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1480	18581064	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1481	18581065	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1482	18581066	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1483	18581067	XXX	2020-03-18 11:06:32	Compliance	Compliance	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
1484	18581078	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1485	18581079	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1486	18581080	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1487	18581081	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1488	18581082	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1489	18581089	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1490	18581090	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1491	18581091	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1492	18581092	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1493	18581093	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1494	18581094	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1495	18581095	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1496	18581096	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1497	18581097	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1498	18581098	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1499	18581099	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1500	18581100	XXX	2020-03-31 14:05:01	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1501	18581101	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1502	18581102	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1503	18581104	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1504	18581103	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1505	18581105	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1506	18581106	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $260,142.17 is underdisclosed from calculated Finance Charge of $260,302.23 in the amount of $160.06.	Under disclosure is due to Til itemization showing settlement fee of $485 and final hud-1 shows $675.
1507	18581107	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1508	18581108	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
1509	18581109	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1510	18581110	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1511	18581111	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1512	18581112	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1513	18581113	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1514	18581114	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
1515	18581115	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1516	18581116	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1517	18581117	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1518	18581118	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1519	18581128	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1520	18581129	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
1521	18581130	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1522	18581131	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1523	18581132	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1524	18581133	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1525	18581134	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1526	18581135	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1527	18581136	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1528	18581137	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1529	18581138	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1530	18581139	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1531	18581140	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1532	18581141	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1533	18581142	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
1534	18581143	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1535	18581144	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
1536	18581145	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1537	18581146	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
1538	18581158	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1539	18581159	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
1540	18581160	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1541	18581161	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1542	18581162	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1543	18581163	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
1544	18581164	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1545	18581165	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1546	18581166	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1547	18581167	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1548	18581168	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1549	18581169	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1550	18581170	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1551	18581171	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1552	18581195	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1553	18581196	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1554	18581197	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1555	18581198	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1556	18581199	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1557	18581200	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1558	18581201	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $141,437.00 is underdisclosed from calculated Finance Charge of $141,548.95 in the amount of $111.95.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
1559	18581202	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
1560	18581203	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
1561	18581204	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1562	18581205	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1563	18581207	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1564	18581208	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
1565	18581215	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1566	18581216	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1567	18581217	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1568	18581218	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1569	18581219	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1570	18581220	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1571	18581221	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1572	18581222	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided)	Nebraska Mortgage Bankers Registration and Licensing Act:  Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower.
1573	18581223	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $128,764.49 is underdisclosed from calculated Finance Charge of $128,914.41 in the amount of $149.92.	Unable to determine under disclosure due to missing itemization of amount financed.
1574	18581224	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1575	18581225	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1576	18581226	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1577	18581231	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1578	18581232	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1579	18581233	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1580	18581234	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1581	18581235	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1582	18581236	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $221,234.45 is underdisclosed from calculated Finance Charge of $221,310.70 in the amount of $76.25.	Unable to determine under disclosure due to missing itemization of amount financed.
1583	18581237	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1584	18581238	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $101,513.16 is underdisclosed from calculated Finance Charge of $101,767.89 in the amount of $254.73.	Unable to determine under disclosure due to missing itemization of amount financed.
1585	18581239	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
1586	18581244	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1587	18581261	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1588	18581262	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
1589	18581263	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	Ohio CSPA Tangible Net Benefit Test	Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.
1590	18581264	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $122,832.07 is underdisclosed from calculated Finance Charge of $123,104.24 in the amount of $272.17.	Unable to determine cause of under disclosure due to missing itemization of amount financed
1591	18581265	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1592	18581266	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1593	18581267	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1594	18581268	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	North Carolina First Lien Late Charge Grace Period Testing	North Carolina Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
1595	18581269	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	North Carolina First Lien Late Charge Percent Testing	North Carolina Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 4%.
1596	18581270	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $160,349.50 is underdisclosed from calculated Finance Charge of $160,568.39 in the amount of $218.89.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
1597	18581271	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1598	18581272	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1599	18581279	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1600	18581280	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1601	18581281	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1602	18581282	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
1603	18581283	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1604	18581290	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1605	18581291	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
1606	18581292	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1607	18581293	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1608	18581294	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1609	18581295	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1610	18581296	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1611	18581297	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1612	18581298	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1613	18581299	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1614	18581300	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1615	18581301	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1616	18581302	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1617	18581304	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1618	18581305	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1619	18581306	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1620	18581307	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1621	18581308	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1622	18581309	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1623	18581310	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1624	18581311	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided)	Nebraska Mortgage Bankers Registration and Licensing Act:  Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower.
1625	18581316	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1626	18581317	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
1627	18581318	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1628	18581319	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1629	18581320	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1630	18581323	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1631	18581324	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1632	18581325	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1633	18581326	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
1634	18581327	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
1635	18581328	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1636	18581329	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1637	18581330	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1638	18581331	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1639	18581332	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1640	18581333	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1641	18581334	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1642	18581335	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1643	18581336	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1644	18581337	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1645	18581338	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1646	18581357	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1647	18581358	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1648	18581359	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1649	18581360	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1650	18581361	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1651	18581362	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1652	18581363	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1653	18581364	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1654	18581365	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1655	18581366	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1656	18581367	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1657	18581369	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1658	18581372	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1659	18581373	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	South Carolina CHL Complaint Agency Disclosure Timing Test	South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.
1660	18581374	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1661	18581375	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Louisiana Prepayment Penalty	Louisiana Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% (in Years 1-5).  Loan contracts for prepay percentages of 3.43750%, 3.43750%, 3.43750%,   which exceeds the max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.
1662	18581376	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $187,218.47 is underdisclosed from calculated Finance Charge of $187,281.63 in the amount of $63.16.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
1663	18581377	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1664	18581378	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1665	18581379	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1666	18581380	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1667	18581382	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1668	18581388	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1669	18581389	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1670	18581390	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1671	18581391	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1672	18581392	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1673	18581393	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1674	18581394	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1675	18584878	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1676	18584880	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
1677	18584881	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
1678	18584882	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
1679	18584883	XXX	2020-02-05 14:47:14	Compliance	Compliance	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
1680	18584884	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1681	18584885	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1682	18584886	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1683	18584887	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1684	18584879	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1685	18584875	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1686	18584876	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1687	18584888	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1688	18584889	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1689	18584890	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1690	18584891	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
1691	18584892	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1692	18584893	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1693	18584894	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
1694	18584895	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1695	18584897	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1696	18584898	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1697	18584896	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1698	18584906	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1699	18584907	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1700	18584908	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
1701	18584909	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	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.
1702	18584911	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1703	18584912	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1704	18584913	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $468,996.01 is underdisclosed from calculated Finance Charge of $469,682.65 in the amount of $686.64.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
1705	18584914	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
1706	18584918	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1707	18584919	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1708	18584920	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1709	18584921	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1710	18584922	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1711	18584923	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $309,111.23 is underdisclosed from calculated Finance Charge of $309,713.73 in the amount of $602.50.	Unable to determine under disclosure due to missing Itemization of amount financed.
1712	18584924	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1713	18584925	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1714	18584943	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1715	18584944	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1716	18584945	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1717	18584946	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1718	18584949	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
1719	18584950	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1720	18584951	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $249,157.04 is underdisclosed from calculated Finance Charge of $249,838.19 in the amount of $681.15.	TIL Itemization did not disclose an attorney fee of $425 as a prepaid finance charge.
1721	18584952	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1722	18584953	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1723	18584954	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1724	18584955	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Illinois Late Charge Percent Testing	Illinois Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
1725	18584956	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $355,484.86 is underdisclosed from calculated Finance Charge of $355,568.62 in the amount of $83.76.	Unable to determine under disclosure due to missing itemization of amount financed
1726	18584958	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1727	18584961	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1728	18584962	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Closing / Title	Missing Document: Security Instrument - Subject Lien not provided
1729	18584963	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2007 used as disbursement date for compliance testing.
1730	18584964	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1731	18584965	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1732	18584966	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1733	18584967	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1734	18584968	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1735	18584969	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
1736	18584970	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1737	18584971	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1738	18584972	XXX	2020-02-13 11:26:48	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
1739	18584973	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1740	18584974	XXX	2020-02-13 11:26:48	Compliance	Compliance	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
1741	18584977	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1742	18584978	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1743	18584979	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1744	18584980	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1745	18584981	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1746	18584982	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1747	18584983	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1748	18584984	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1749	18584985	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1750	18584986	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1751	18584987	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1752	18584988	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
1753	18584989	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1754	18584990	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
1755	18584991	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
1756	18584992	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1757	18584993	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1758	18584994	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1759	18584995	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1760	18584996	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1761	18584997	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
1762	18585000	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1763	18585001	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Virginia Late Charge Percent Testing	Virginia Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
1764	18585002	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice)	Virginia Mortgage Lender and Broker Act:  Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.
1765	18585003	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Virginia Prepayment Penalty	Virginia Prepayment Penalty: Maximum calculated prepay of $6,600.00 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $3,200.00. Prepay language states prepay will not exceed maximum permitted by applicable law.
1766	18585004	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1767	18585005	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1768	18585008	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1769	18585009	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1770	18585010	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1771	18585011	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1772	18585012	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
1773	18585013	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Delaware Late Charge Percent Testing	Delaware Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
1774	18585014	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1775	18585015	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1776	18585016	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
1777	18585017	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1778	18585020	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1779	18585021	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1780	18585022	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1781	18585023	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1782	18585024	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1783	18585025	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1784	18585026	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1785	18585027	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1786	18585028	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
1787	18585034	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1788	18585035	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1789	18585036	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1790	18585037	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1791	18585038	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1792	18585039	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1793	18585040	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1794	18585041	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1795	18585042	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1796	18585046	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1797	18585047	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
1798	18585050	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1799	18585051	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1800	18585052	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1801	18585053	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1802	18585054	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1803	18585055	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1804	18585056	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1805	18585057	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1806	18585058	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1807	18585059	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1808	18585061	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1809	18585062	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1810	18585063	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1811	18585064	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1812	18585065	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1813	18585066	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1814	18585067	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1815	18585068	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1816	18585069	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1817	18585070	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1818	18585071	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1819	18585073	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1820	18585074	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1821	18585075	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1822	18585076	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1823	18585077	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1824	18585078	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1825	18585079	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1826	18585080	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1827	18585081	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
1828	18585082	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Ohio CSPA Tangible Net Benefit Test	Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.
1829	18585083	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
1830	18585090	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1831	18585091	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1832	18585092	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1833	18585093	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1834	18585094	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1835	18585095	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1836	18585096	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
1837	18585097	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2007
1838	18585098	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1839	18585099	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $11,270.00, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.
1840	18585100	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1841	18585101	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
1842	18585108	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1843	18585109	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
1844	18585110	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1845	18585111	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1846	18585112	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1847	18585113	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1848	18585114	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1849	18585117	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1850	18585118	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1851	18585119	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1852	18585120	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1853	18585121	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1854	18585122	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1855	18585123	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1856	18585124	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1857	18585125	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1858	18585126	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1859	18585127	XXX	2020-06-16 14:42:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1860	18585128	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $112,652.96 is underdisclosed from calculated Finance Charge of $112,783.33 in the amount of $130.37.	There is a Lender credit on line 205 for $250 which is not itemized therefore excluded.
1861	18585130	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1862	18585131	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1863	18585132	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1864	18585133	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1865	18585134	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
1866	18585135	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	South Carolina CHL Complaint Agency Disclosure Timing Test	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
1867	18585136	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1868	18585137	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1869	18585138	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1870	18585142	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1871	18585143	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1872	18585161	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1873	18585162	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1874	18585159	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1875	18585160	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1876	18585165	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1877	18585166	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1878	18585167	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1879	18585168	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1880	18585169	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1881	18585170	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1882	18585171	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1883	18585172	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1884	18585173	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1885	18585174	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1886	18585175	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1887	18585176	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1888	18585177	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1889	18585178	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1890	18585179	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1891	18585180	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $5,260.93, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.
1892	18585192	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1893	18585207	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1894	18585208	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1895	18585209	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1896	18585210	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1897	18585211	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1898	18585212	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1899	18585213	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1900	18585214	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1901	18585215	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
1902	18585216	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1903	18585217	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1904	18585218	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1905	18585219	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
1906	18585220	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1907	18585221	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1908	18585222	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1909	18585223	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1910	18585224	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1911	18585225	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $110,718.29 is underdisclosed from calculated Finance Charge of $110,918.07 in the amount of $199.78.	Unable to determine under disclosure due to missing itemization of amount financed.
1912	18585232	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1913	18585233	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1914	18585234	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1915	18585235	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1916	18585236	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
1917	18585237	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1918	18585238	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1919	18585239	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
1920	18585240	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
1921	18585241	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1922	18585242	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
1923	18585243	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1924	18585244	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $403,824.78 is underdisclosed from calculated Finance Charge of $405,360.37 in the amount of $1,535.59.	Under disclosure is due to the lender’s TIL reflecting MI being in force for 180 months, however based on the loan amount and appraised value the MI would be in force for 192 months.
1925	18585250	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.
1926	18585252	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Closing / Title	Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:	Homestead Exemption Waiver
1927	18585253	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Missing Initial Loan Application Test	No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.
1928	18585254	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application	RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.
1929	18585255	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $7,740.00, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.
1930	18585256	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1931	18585257	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1932	18585258	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1933	18585260	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1934	18585261	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1935	18585263	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1936	18585264	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1937	18585265	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1938	18585266	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1939	18585267	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1940	18585274	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1941	18585275	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1942	18585276	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1943	18585277	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1944	18585278	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1945	18585279	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1946	18585280	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
1947	18585284	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1948	18585285	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1949	18585286	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1950	18585287	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1951	18585288	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1952	18585289	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1953	18585290	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1954	18585291	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1955	18585292	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
1956	18585293	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
1957	18585294	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1958	18585295	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
1959	18585305	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
1960	18585311	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1961	18585312	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1962	18585313	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1963	18585314	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1964	18585315	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
1965	18585316	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
1966	18585317	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
1967	18585318	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1968	18585319	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Application / Processing	Missing Document: Missing Lender's Initial 1003
1969	18585320	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1970	18585321	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1971	18585322	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
1972	18585323	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1973	18585324	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1974	18585325	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1975	18585326	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1976	18585329	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Purchase Agreement / Sales Contract not provided
1977	18585330	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
1978	18585331	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1979	18585332	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1980	18585333	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1981	18585334	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
1982	18585335	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1983	18585336	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
1984	18585337	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1985	18585338	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
1986	18585344	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
1987	18585346	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Closing / Title	Missing Document: Security Instrument - Subject Lien not provided
1988	18585347	XXX	2020-02-13 11:26:48	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
1989	18585348	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
1990	18585349	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2007 used as disbursement date for compliance testing.
1991	18585350	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1992	18585351	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1993	18585352	XXX	2020-02-13 11:26:48	Compliance	Compliance	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
1994	18585353	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
1995	18585354	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
1996	18585355	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
1997	18585356	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
1998	18585357	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
1999	18585358	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2000	18585345	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2001	18585359	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2002	18585360	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
2003	18585361	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2004	18585362	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2005	18585363	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2006	18585364	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2007	18585365	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
2008	18585366	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2009	18585367	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2010	18585368	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2011	18585369	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2012	18585370	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2013	18585371	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2014	18585372	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2015	18585373	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2016	18585374	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2017	18585375	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
2018	18585376	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	New York Late Charge Percent Testing	New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.
2019	18585377	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2020	18585378	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2021	18585379	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2022	18585380	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $159,645.75 is underdisclosed from calculated Finance Charge of $159,710.06 in the amount of $64.31.	TIL itemization did not disclose an Attorney fee of $375.00 as a prepaid finance charge.
2023	18585381	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2024	18585382	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2025	18585383	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2026	18585384	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2027	18585385	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2028	18585389	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2029	18585390	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
2030	18585391	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2031	18585392	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2032	18585393	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2033	18585394	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2034	18585395	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2035	18585396	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2036	18585397	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2037	18585398	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2038	18585399	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2039	18585400	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2040	18585401	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2041	18585411	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2042	18585412	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2043	18585413	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
2044	18585414	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2045	18585417	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2046	18585418	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2047	18585419	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	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 date borrower received.
2048	18585415	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2049	18585416	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2050	18585420	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2051	18585421	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2052	18585422	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $286,488.57 is underdisclosed from calculated Finance Charge of $289,298.44 in the amount of $2,809.87.	TIL itemization did not disclose a discount fee of $985.00 and an origination fee of $1970.00 as prepaid finance charge.
2053	18585429	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2054	18585430	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2055	18585432	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2056	18585434	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $279,881.20 is underdisclosed from calculated Finance Charge of $280,192.81 in the amount of $311.61.	Unable to determine under disclosure due to missing Itemization of Amount Financed
2057	18585453	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2058	18585454	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2059	18585455	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2060	18585456	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2061	18585457	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2062	18585458	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2063	18585461	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2064	18585462	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2065	18585463	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2066	18585468	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2067	18585469	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2068	18585470	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2069	18585471	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2070	18585472	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2071	18585473	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2072	18585474	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2073	18585475	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2074	18585476	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2075	18585477	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2076	18585478	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2077	18585479	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2078	18585480	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2079	18585483	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2080	18585484	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2081	18585485	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2082	18585486	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender)	Unable to test borrower acknowledgment receipt due to missing information.
2083	18585487	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed)	Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).
2084	18585502	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2085	18585503	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2086	18585504	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2087	18585505	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2088	18585506	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2089	18585507	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2090	18585508	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2091	18585509	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
2092	18585510	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2093	18585511	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2094	18585512	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2095	18585513	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2096	18585514	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2097	18585515	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2098	18585516	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2099	18585517	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2100	18585518	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2101	18585519	XXX	2020-02-05 14:47:14	Compliance	Compliance	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
2102	18585520	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2103	18585521	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.	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.
2104	18585522	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2105	18585523	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2106	18585524	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2107	18585525	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2108	18585526	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.
2109	18585527	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Michigan Consumer Mortgage Protection Act (Counseling Agencies List)	Unable to test counseling agencies list due to missing information.
2110	18585528	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2111	18585529	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2112	18585530	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2113	18585531	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2114	18585532	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2115	18585533	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2116	18585536	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2117	18585537	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2118	18585538	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $541,193.63 is underdisclosed from calculated Finance Charge of $542,720.58 in the amount of $1,526.95.	Unable to determine under disclosure due to TIL itemization of amount financed does not disclose any prepaid fees.
2119	18585541	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2120	18585542	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2121	18585550	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2122	18585551	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Purchase Agreement / Sales Contract not provided
2123	18585553	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2124	18585554	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
2125	18585555	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2126	18585556	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2127	18585557	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2128	18585567	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2129	18585570	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2130	18585571	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2131	18585572	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2132	18585573	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $224,658.49 is underdisclosed from calculated Finance Charge of $224,948.47 in the amount of $289.98.	Unable to determine reason for under disclosure due to missing tiemization of amount financed.
2133	18585574	XXX	2020-03-20 10:27:40	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
2134	18585575	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2135	18585576	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2136	18585587	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2137	18585590	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2138	18585592	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2139	18585593	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2140	18585594	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2141	18585596	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2142	18585597	XXX	2020-03-20 10:27:40	Compliance	Compliance	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 0 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.
2143	18585598	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2144	18585599	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2145	18585600	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2146	18585601	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2147	18585602	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2148	18585606	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2149	18585607	XXX	2020-03-18 11:06:32	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
2150	18585608	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2151	18585609	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2152	18585610	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2153	18585611	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
2154	18585612	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2155	18585613	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2156	18585614	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2157	18585618	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
2158	18585621	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2159	18585622	XXX	2020-02-05 14:47:14	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2160	18585623	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2161	18585624	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2162	18585625	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2163	18585626	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2164	18585627	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2165	18585628	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $372,433.69 is underdisclosed from calculated Finance Charge of $373,518.69 in the amount of $1,085.00.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
2166	18585629	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2167	18585630	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2168	18585631	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2169	18585632	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2170	18585633	XXX	2020-03-18 11:06:32	Compliance	Compliance	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
2171	18585634	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $180,350.39 is underdisclosed from calculated Finance Charge of $180,813.41 in the amount of $463.02.	Unable to determine under disclosure due to missing itemization of amount financed.
2172	18585635	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2173	18585636	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
2174	18585637	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2175	18585639	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2176	18585656	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2177	18585657	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2178	18585658	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2179	18585659	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 7.48700% is underdisclosed from calculated APR of 7.63852% outside of 0.125% tolerance.
2180	18585660	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $190,040.57 is underdisclosed from calculated Finance Charge of $198,332.47 in the amount of $8,291.90.	Final TIL disclosed MI dropping off after 148 months, however the calculated TIL reflects MI through the term of the loan.
2181	18585661	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2182	18585662	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2183	18585664	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2184	18585667	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2185	18585668	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
2186	18585669	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2187	18585670	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
2188	18585671	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2189	18585672	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2190	18585673	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2191	18585681	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2192	18585682	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2193	18585685	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2194	18585686	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2195	18585687	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2196	18585688	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $10,719.00, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.
2197	18585689	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2198	18585690	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2199	18585691	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2200	18585692	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2201	18585693	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2202	18585694	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2203	18585695	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2204	18585696	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2205	18585697	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2206	18585698	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
2207	18585699	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2208	18585700	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2209	18585701	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2210	18585702	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2211	18585703	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2212	18585704	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2213	18585705	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2214	18585706	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2215	18585707	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Closing / Title	Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:	Homestead Exemption Waiver
2216	18585708	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2217	18585709	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2218	18585710	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
2219	18585711	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
2220	18585712	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2221	18585713	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2222	18585714	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
2223	18585715	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2224	18585716	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2225	18585717	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	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.
2226	18585718	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2227	18585719	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2228	18585720	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2229	18585721	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2230	18585722	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
2231	18585723	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2232	18585724	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2233	18585727	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2234	18585728	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2235	18585729	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2236	18585730	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2237	18585731	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2238	18585732	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2239	18585733	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	South Carolina Home Loan (No Tangible Net Benefit)	South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower.
2240	18585737	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2241	18585738	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2242	18585739	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2243	18585740	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
2244	18585741	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2245	18585742	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2246	18585743	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2247	18585744	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2248	18585745	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2249	18585746	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2250	18585747	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2251	18585749	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2252	18585750	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2253	18585751	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2254	18585752	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2255	18585753	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2256	18585754	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
2257	18585755	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2258	18585756	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2259	18585757	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2260	18585758	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2261	18585759	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2262	18585760	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2263	18585761	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2264	18585762	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $292,943.95 is underdisclosed from calculated Finance Charge of $292,996.96 in the amount of $53.01.	Unable to determine the cause of the TIL underdisclosure, due to missing Itemization of Amount Financed
2265	18585763	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing	Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.
2266	18585764	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Missing Initial Loan Application Test	No evidence of application date located in file.  Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.
2267	18585765	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application	RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.
2268	18585766	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $11,943.75, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.
2269	18585767	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2270	18585768	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2271	18585769	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2272	18585770	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2273	18585771	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2274	18585772	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2275	18585773	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $351,453.70 is underdisclosed from calculated Finance Charge of $351,553.71 in the amount of $100.01.	TIL Itemization only disclosed the settlement closing fee as $300 and final HUD reflects $400.
2276	18585774	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
2277	18585775	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2278	18585776	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2279	18585777	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $230,661.76 is underdisclosed from calculated Finance Charge of $234,446.29 in the amount of $3,784.53.	Unable to determine under disclosure due to missing Itemization of Amount Financed. Unable to apply HUD line 207 $7650.00 seller credit to finance charges due to missing breakdown of seller paid fees.
2280	18585778	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2281	18585779	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2282	18585780	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
2283	18585781	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2284	18585782	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2285	18585783	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2286	18585784	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2287	18585785	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2288	18585786	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2289	18585787	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2290	18585788	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2291	18585789	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2292	18585790	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2293	18585791	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2294	18585792	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2295	18585794	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2296	18585800	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2297	18585801	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2298	18585802	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $646,118.10 is underdisclosed from calculated Finance Charge of $646,750.23 in the amount of $632.13.	Unable to determine cause of underdisclosure due to missing Itemization of Amount Financed.
2299	18585807	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2300	18585808	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2301	18585809	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2302	18585810	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	Nebraska Mortgage Bankers Registration and Licensing Act (Broker Notice Not Provided)	Nebraska Mortgage Bankers Registration and Licensing Act:  Mortgage broker has received compensation from the borrower without providing a written agreement to the borrower.
2303	18585811	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2304	18585812	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2305	18585813	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2306	18585814	XXX	2020-02-05 14:47:14	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
2307	18585818	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2308	18585819	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
2309	18585820	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2310	18585821	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2311	18585822	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2312	18585823	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2313	18585824	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $148,274.36 is underdisclosed from calculated Finance Charge of $148,409.15 in the amount of $134.79.	TIL Itemization did not disclose the release tracking fee of $85 or the recording service fee of $50 as prepaid finance charges.
2314	18585832	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
2315	18585833	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2316	18585846	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2317	18585847	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2318	18585848	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2319	18585849	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2320	18585851	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2321	18585852	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2322	18585853	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2323	18585854	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2324	18585855	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2325	18585861	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2326	18585862	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
2327	18585874	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2328	18585875	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2329	18585876	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
2330	18585877	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2331	18585878	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2332	18585879	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
2333	18585880	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2334	18585881	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2335	18585882	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2336	18585883	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2337	18585884	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2338	18585885	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2339	18585886	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2340	18585887	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2341	18585888	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2342	18585889	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
2343	18585890	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2344	18585891	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2345	18585892	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2346	18585900	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2347	18585901	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2348	18585903	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2349	18585904	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2350	18585905	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2351	18585908	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2352	18585909	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2353	18585920	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2354	18585923	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2355	18585924	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2356	18585931	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2357	18585932	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2358	18585933	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2359	18585934	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2360	18585935	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2361	18585936	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2362	18585937	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2363	18585938	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2364	18585939	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
2365	18585940	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	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.
2366	18585941	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2367	18585943	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2368	18585944	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2369	18585945	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2370	18585946	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2371	18585947	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2372	18585957	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2373	18585958	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2374	18585959	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2375	18585960	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2376	18585961	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2377	18585962	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2378	18585963	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
2379	18585965	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2380	18585966	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2381	18585967	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2382	18585972	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2383	18585973	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2384	18585974	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2385	18585975	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2386	18585976	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $313,368.10 is underdisclosed from calculated Finance Charge of $313,541.88 in the amount of $173.78.	Under disclosure appears to be due to the payment stream; per final TIL there are 118 payments of $1,611.89; 14 payments of $1,519.00; 227 payments of $1479.48 and 1 payment of $1475.45. The actual calculated payment stream is 120 @ $1,611.89; 14 @ $1519.00; 225 @ $1,479.48 and 1 @ $1,475.46.
2387	18585978	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2388	18585979	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2389	18585980	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2390	18585981	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2391	18585985	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2392	18585987	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2393	18585982	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2394	18585983	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2395	18585984	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2396	18585993	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2397	18585994	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2398	18585995	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2399	18585996	XXX	2020-02-05 14:47:14	Compliance	Compliance	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 0 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.
2400	18585997	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2401	18585998	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
2402	18585999	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2403	18586000	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	South Carolina Home Loan (Complaint Agency Disclosure Not Provided)	Unable to test complaint agency due to missing information.
2404	18586001	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not In File)	South Carolina Home Loan: Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.
2405	18586002	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2406	18586003	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2407	18586004	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
2408	18586005	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2409	18586006	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2410	18586007	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2411	18586008	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2412	18586009	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2413	18586010	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
2414	18586011	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2415	18586012	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
2416	18586013	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2417	18586014	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2418	18586015	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $257,532.88 is underdisclosed from calculated Finance Charge of $257,734.21 in the amount of $201.33.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
2419	18586016	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2420	18586017	XXX	2020-02-13 11:26:48	Compliance	Compliance	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).
2421	18586024	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2422	18586025	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2423	18586027	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2424	18586028	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2425	18586029	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
2426	18586030	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2427	18586031	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2428	18586032	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2429	18586041	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2430	18586042	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2431	18586043	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2432	18586044	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2433	18586046	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2434	18586047	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2435	18586048	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2436	18586049	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2437	18586050	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $138,260.72 is underdisclosed from calculated Finance Charge of $138,300.69 in the amount of $39.97.	TIL itemization did not disclose a recording service fee of $45 as prepaid finance charge.
2438	18586051	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2439	18586052	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2440	18586053	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Connecticut Prepayment Penalty Test	Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.  Prepay language states prepay will not exceed maximum permitted by applicable law.
2441	18586054	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2442	18586055	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2443	18586056	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2444	18586057	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2445	18586058	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2446	18586059	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2447	18586060	XXX	2020-02-13 11:26:48	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
2448	18586061	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
2449	18586062	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2450	18586065	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2451	18586066	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2452	18586067	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2453	18586069	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2454	18586079	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2455	18586080	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2456	18586081	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2457	18586082	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
2458	18586083	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2459	18586084	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2460	18586085	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2461	18586086	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2462	18586087	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2463	18586090	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2464	18586091	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2465	18586092	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2466	18586093	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $94,595.24 is underdisclosed from calculated Finance Charge of $94,856.60 in the amount of $261.36.	The TIL Itemization did not disclose a email/edoc fee of $50, a rate extension fee of $175, and a notice of settlement recording fee of $36.10 as prepaid finance charges.
2467	18586094	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2468	18586095	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2469	18586096	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2470	18586097	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2471	18586098	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2472	18586099	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2473	18586100	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Maryland Late Charge Grace Period Testing	Maryland Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
2474	18586101	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2475	18586102	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2476	18586103	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2477	18586104	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2478	18586106	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2479	18586107	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2480	18586108	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2481	18586109	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2482	18586110	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2483	18586111	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2484	18586112	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2485	18586113	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2486	18586114	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
2487	18586115	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2488	18586129	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2489	18586130	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2490	18586141	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
2491	18586142	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2492	18586143	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2493	18586144	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2494	18586145	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2495	18586146	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2496	18586148	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2497	18586149	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2498	18586155	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2499	18586156	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2500	18586157	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2501	18586158	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2502	18586162	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2503	18586163	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2504	18586164	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2505	18586177	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2506	18586180	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2507	18586181	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
2508	18586182	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2509	18586183	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2510	18586184	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	New Jersey Prepayment Penalty	New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. Prepay language states prepay will not exceed maximum permitted by applicable law.
2511	18586185	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
2512	18586186	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2513	18586187	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2514	18586188	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2515	18586189	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2516	18586194	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2517	18586195	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $75,359.71 is underdisclosed from calculated Finance Charge of $75,958.40 in the amount of $598.69.	TIL itemization did not disclose a flood certification fee of $20.50, a prepaid interest charge of $238.28, a tax service fee of $90, an underwriting fee of $250 as prepaid finance charge.
2518	18586196	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2519	18586197	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2520	18586201	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2521	18586209	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2522	18586210	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2523	18586217	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2524	18586218	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2525	18586219	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2526	18586220	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2527	18586221	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2528	18586228	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2529	18586229	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
2530	18586230	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
2531	18586232	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2532	18586233	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2533	18586234	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2534	18586238	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2535	18586239	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2536	18586240	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2537	18586241	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2538	18586242	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2539	18586243	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
2540	18586244	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2541	18586247	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
2542	18586260	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2543	18586261	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2544	18586262	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2545	18586263	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2546	18586264	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2547	18586265	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2548	18586266	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2549	18586267	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2550	18586268	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2551	18586269	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2552	18586270	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2553	18586271	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2554	18586272	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2555	18586273	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2556	18586274	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2557	18586275	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2558	18586276	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2559	18586279	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2560	18586280	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2561	18586281	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2562	18586282	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2563	18586288	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
2564	18586289	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2565	18586290	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2566	18586291	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2567	18586292	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2568	18586293	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2569	18586294	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2570	18586295	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2571	18586296	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2572	18586297	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2573	18586298	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
2574	18586305	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2575	18586306	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2576	18586307	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2577	18586308	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2578	18586310	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2579	18586311	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2580	18586312	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2581	18586313	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2582	18586314	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2583	18586315	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2584	18586316	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2585	18586320	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2586	18586321	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2587	18586322	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
2588	18586323	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2589	18586324	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2590	18586325	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2591	18586326	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2592	18586327	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	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.
2593	18586328	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
2594	18586329	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2595	18586330	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2596	18586332	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2597	18586333	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2598	18586334	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2599	18586335	XXX	2020-02-13 11:26:48	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
2600	18586336	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2601	18586337	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2602	18586338	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2603	18586339	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2604	18586340	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2605	18586341	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2606	18586342	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2607	18586343	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2608	18586344	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2609	18586345	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
2610	18586346	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2611	18586362	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2612	18586363	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2613	18586364	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
2614	18586365	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2615	18586366	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2616	18586367	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2617	18586368	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2618	18586369	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2619	18586370	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2620	18586371	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2621	18586372	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
2622	18586373	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2623	18586380	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $778,015.54 is underdisclosed from calculated Finance Charge of $778,077.41 in the amount of $61.87.	Flood cert fee of $17 and Payoff Disbursement fee of $95 were not included in the Itemization of Prepaid Finance Charges.  In addition, the $50 title binder fee was included and should not have been.  Difference of $62
2624	18589762	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $166,602.77 is underdisclosed from calculated Finance Charge of $166,719.57 in the amount of $116.80.	Unable to determine under disclosure due to missing itemization of amount financed
2625	18589772	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2626	18589773	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
2627	18589774	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2628	18589775	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2629	18589776	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
2630	18589777	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2631	18589781	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2632	18589782	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2633	18589783	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2634	18589785	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2635	18589786	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2636	18589787	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $428,508.02 is underdisclosed from calculated Finance Charge of $428,703.14 in the amount of $195.12.	TIL Itemization does not include $90 title courier fee, or the $195 release tracking fee.  TIL itemization reflects $285 settlement fee with actual per HUD reflecting $195.
2637	18589802	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2638	18589803	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2639	18589804	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
2640	18589805	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2641	18589806	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2642	18589807	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2643	18589808	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2644	18589809	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2645	18589810	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2646	18589811	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2647	18589812	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2648	18589813	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2649	18589814	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2650	18589815	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2651	18589816	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2652	18589817	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
2653	18589818	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
2654	18589819	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2655	18589820	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2656	18589821	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2657	18589822	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2658	18589823	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2659	18589824	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2660	18589825	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
2661	18589826	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2662	18589827	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2663	18589828	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
2664	18589833	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2665	18589834	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2666	18589835	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2667	18589836	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2668	18589838	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2669	18589839	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2670	18589841	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2671	18589842	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2672	18589843	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2673	18589844	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2674	18589845	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2675	18589846	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2676	18589847	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
2677	18589848	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2678	18589849	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2679	18589850	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2680	18589851	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2681	18589852	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
2682	18589853	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2683	18589854	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2684	18589855	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2685	18589856	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2686	18589857	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2687	18589859	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2688	18589860	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
2689	18589861	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
2690	18589862	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2691	18589881	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2692	18589882	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
2693	18589896	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2694	18589897	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2695	18589898	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2696	18589899	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2697	18589900	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
2698	18589901	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2699	18589903	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2700	18589917	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2701	18589918	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2702	18589919	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2703	18589920	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2704	18589927	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2705	18589928	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2706	18589929	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2707	18589930	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2708	18589931	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2709	18589932	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2710	18589935	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2711	18589936	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2712	18589937	XXX	2020-04-06 09:20:18	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2713	18589938	XXX	2020-04-06 09:20:18	Compliance	Property - Appraisal	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.
2714	18589939	XXX	2020-04-06 09:20:18	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2715	18589940	XXX	2020-04-06 09:20:18	Compliance	Compliance	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.
2716	18589941	XXX	2020-04-06 09:20:18	Compliance	Compliance	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.
2717	18589942	XXX	2020-04-06 09:20:18	Compliance	Compliance	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.
2718	18589943	XXX	2020-04-06 09:20:18	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2719	18589944	XXX	2020-04-06 09:20:18	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2720	18589945	XXX	2020-04-06 09:20:18	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2721	18589946	XXX	2020-04-06 09:20:18	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2722	18589947	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2723	18589948	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2724	18589949	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2725	18589950	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2726	18589953	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
2727	18589954	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2728	18589955	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2729	18589956	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2730	18589964	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2731	18589965	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2732	18589966	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
2733	18589967	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2734	18589969	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2735	18589970	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2736	18589971	XXX	2020-02-28 08:33:33	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2737	18589972	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2738	18589973	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2739	18589974	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2740	18589975	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2741	18589976	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2742	18589977	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2743	18589978	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
2744	18589985	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2745	18589986	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
2746	18589987	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2747	18589988	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2748	18589989	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2749	18589990	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
2750	18589991	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2751	18589992	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
2752	18589993	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2753	18589994	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2754	18589995	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2755	18589996	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2756	18589997	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2757	18589998	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2758	18589999	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2759	18590000	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
2760	18590001	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2761	18590003	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2762	18590004	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
2763	18590005	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2764	18590006	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2765	18590007	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2766	18590008	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2767	18590009	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2768	18590010	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2769	18590011	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2770	18590012	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2771	18590013	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2772	18590014	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $284,389.17 is underdisclosed from calculated Finance Charge of $284,691.76 in the amount of $302.59.	TIL itemization did not disclose an email fee of $100, a flood fee of $8.50, a tax service fee of $69, a courier fee of $100 and a wire fee of $25 as prepaid finance charges.
2773	18590015	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2774	18590021	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Massachusetts Late Charge Percent Testing	Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.
2775	18590022	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
2776	18590023	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2777	18590024	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2778	18590025	XXX	2020-02-14 13:51:31	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2779	18590026	XXX	2020-02-14 13:51:31	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2780	18590027	XXX	2020-02-14 13:51:31	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
2781	18590028	XXX	2020-02-14 13:51:31	Compliance	Compliance	Federal Compliance	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.
2782	18590029	XXX	2020-02-14 13:51:31	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 7.21300% is underdisclosed from calculated APR of 7.36864% outside of 0.125% tolerance.
2783	18590030	XXX	2020-02-14 13:51:31	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $417,845.45 is underdisclosed from calculated Finance Charge of $422,287.24 in the amount of $4,441.79.	Unable to determine under disclosure due to missing itemization of amount financed.
2784	18590031	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2785	18590032	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
2786	18590033	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2787	18590034	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2788	18590035	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2789	18590036	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2790	18590037	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2791	18590038	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2792	18590039	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
2793	18590040	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2794	18590041	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2795	18590042	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2796	18590043	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
2797	18590044	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $231,301.21 is underdisclosed from calculated Finance Charge of $231,426.13 in the amount of $124.92.	TIL Itemization did not disclose the courier fee of $50 as a prepaid finance charge.
2798	18590045	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2799	18590046	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2800	18590047	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2801	18590048	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2802	18590049	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $424,426.63 is underdisclosed from calculated Finance Charge of $425,670.00 in the amount of $1,243.37.	Unable to determine under disclosure due to missing Itemization of Amount Financed
2803	18590055	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2804	18590056	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2805	18590057	XXX	2020-03-31 19:48:06	Compliance	Compliance	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
2806	18590060	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2807	18590061	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2808	18590062	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2809	18590070	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2810	18590071	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2811	18590072	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2812	18590073	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2813	18590074	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2814	18590075	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2815	18590076	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2816	18590077	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2817	18590078	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2818	18590079	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2819	18590080	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2820	18590081	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2821	18590082	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
2822	18590083	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2823	18590084	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2824	18590092	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2825	18590093	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
2826	18590094	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
2827	18590106	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2828	18590107	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2829	18590108	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2830	18590111	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2831	18590112	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
2832	18590113	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
2833	18590114	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2834	18590115	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2835	18590116	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $278,749.29 is underdisclosed from calculated Finance Charge of $279,088.38 in the amount of $339.09.	TIL itemization did not disclose an attorney fee of $425 as prepaid finance charge.
2836	18590118	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
2837	18590119	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2838	18590120	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
2839	18590121	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2840	18590122	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
2841	18590123	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
2842	18590124	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2843	18590125	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2844	18590126	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2845	18590127	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2846	18590128	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2847	18590135	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2848	18590136	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2849	18590137	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2850	18590138	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2851	18590139	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2852	18590140	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2853	18590144	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2854	18590145	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2855	18590146	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
2856	18590147	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $159,183.26 is underdisclosed from calculated Finance Charge of $159,713.34 in the amount of $530.08.	TIL itemization did not reflect a Processing Fee in the amount of $675 as prepaid finance charges.
2857	18590149	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Closing / Title	Security Instrument Error: Invalid MERS Min Number
2858	18590150	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2859	18590153	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2860	18590154	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2861	18590155	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $162,915.70 is underdisclosed from calculated Finance Charge of $162,972.66 in the amount of $56.96.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
2862	18590156	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2863	18590158	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2864	18590159	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2865	18590161	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2866	18590162	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2867	18590163	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2868	18590164	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $229,658.12 is underdisclosed from calculated Finance Charge of $229,703.23 in the amount of $45.11.	Fees are under disclosed $45.11.  Itemization not provided.  Unable to determine the cause of under disclosure due to missing itemization.
2869	18590165	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2870	18590166	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
2871	18590170	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2872	18590171	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $194,959.67 is underdisclosed from calculated Finance Charge of $195,619.91 in the amount of $660.24.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
2873	18590172	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2874	18590173	XXX	2020-02-13 11:26:48	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
2875	18590174	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Georgia Home Loan (Arbitration Clause)	Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause.
2876	18590175	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2877	18590176	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2878	18590177	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2879	18590178	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
2880	18590179	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2881	18590180	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2882	18590181	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
2883	18590182	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2884	18590183	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2885	18590187	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2886	18590188	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2887	18590194	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2888	18590195	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
2889	18590196	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2890	18590201	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2891	18590202	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2892	18590203	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2893	18590204	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2894	18590205	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
2895	18590206	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2896	18590207	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2897	18590208	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2898	18590209	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2899	18590210	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2900	18590211	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2901	18590212	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2902	18590214	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2903	18590215	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2904	18590216	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2905	18590217	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2906	18590218	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
2907	18590219	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2908	18590220	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2909	18590221	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2910	18590222	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2911	18590223	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2912	18590224	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2913	18590225	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2914	18590227	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2915	18590228	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2916	18590229	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2917	18590230	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2918	18590231	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2919	18590232	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2920	18590233	XXX	2020-03-31 19:48:06	Compliance	Compliance	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
2921	18590234	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2922	18590235	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2923	18590249	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $200,798.90 is underdisclosed from calculated Finance Charge of $201,035.97 in the amount of $237.07.	Unable to determine the fee under disclosure due to missing the itemization of amount financed.
2924	18590250	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2925	18590251	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
2926	18590252	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
2927	18590255	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2928	18590256	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
2929	18590257	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2930	18590258	XXX	2020-02-28 08:33:33	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
2931	18590259	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2932	18590260	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2933	18590261	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2934	18590262	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
2935	18590263	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
2936	18590264	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
2937	18590265	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2938	18590266	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2939	18590267	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $6,574.75, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.
2940	18590268	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
2941	18590269	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2942	18590270	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
2943	18590271	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2944	18590272	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2945	18590273	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
2946	18590274	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2947	18590275	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2948	18590276	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2949	18590278	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
2950	18590279	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2951	18590280	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2952	18590281	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
2953	18590282	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
2954	18590283	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
2955	18590284	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2956	18590285	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
2957	18590286	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2958	18590287	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2959	18590293	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2960	18590294	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2961	18590299	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
2962	18590300	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $141,654.29 is underdisclosed from calculated Finance Charge of $141,705.81 in the amount of $51.52.	Unable to determine under disclosure due to missing itemization of amount financed.
2963	18590301	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2964	18590302	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2965	18590303	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2966	18590304	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2967	18590305	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $211,504.84 is underdisclosed from calculated Finance Charge of $211,554.67 in the amount of $49.83.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
2968	18590306	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2969	18590307	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2970	18590308	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2971	18590309	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2972	18590310	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
2973	18590311	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
2974	18590312	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2975	18590318	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2976	18590319	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2977	18590320	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
2978	18590321	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $78,093.45 is underdisclosed from calculated Finance Charge of $78,403.62 in the amount of $310.17.	Unable to determine the fee under disclosure due to missing itemization of amount financed.
2979	18590326	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2980	18590327	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
2981	18590331	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2982	18590332	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2983	18590333	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
2984	18590334	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2985	18590335	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
2986	18590336	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $318,114.08 is underdisclosed from calculated Finance Charge of $318,200.85 in the amount of $86.77.	Unable to determine under disclosure due to missing itemization of amount financed
2987	18590337	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
2988	18590338	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
2989	18590339	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2990	18590340	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2991	18590341	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Mississippi Late Charge Percent and Amount Testing > $100,000	Mississippi Late Charge: Note late charge of 5.00000% exceeds state maximum of 4% or $5, whichever is greater.
2992	18590343	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
2993	18590344	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $243,307.03 is underdisclosed from calculated Finance Charge of $243,397.36 in the amount of $90.33.	The Lender did not include the Post Closing Re-certification Search $95.00 was not included in the prepaid fees listed on the Itemization of Amount Financed.
2994	18590348	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2995	18590349	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
2996	18590350	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $133,619.67 is underdisclosed from calculated Finance Charge of $133,707.42 in the amount of $87.75.	Unable to determine under disclosure due to missing Itemization of Amount Financed
2997	18590351	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
2998	18590352	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) RTC Error:  Right to Cancel expiration date is blank.
2999	18590345	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3000	18590346	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3001	18590347	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3002	18590353	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $312,296.35 is underdisclosed from calculated Finance Charge of $312,484.31 in the amount of $187.96.	TIL itemization did not include a Recording service fee of  $175 and courier fee of $30 in the prepaid amount financed.
3003	18590355	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3004	18590356	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3005	18590357	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3006	18590358	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3007	18590359	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3008	18590360	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3009	18590361	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3010	18590386	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3011	18590387	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3012	18590402	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3013	18590403	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Virginia Tangible Net Benefit Test	Virginia Mortgage Lender and Broker Act:  Unable to determine if mortgage loan was refinanced within the past twelve (12) months without a tangible net benefit to the borrower due to missing prior loan information.
3014	18590404	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3015	18590414	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3016	18590415	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $243,768.16 is underdisclosed from calculated Finance Charge of $244,093.47 in the amount of $325.31.	TIL itemization did not disclose an attorney fee of $450, a courier fee of $15 and a wire fee of $10 as prepaid finance charges. The TIL itemization over disclosed an administration fee by $150 resulting in a net under disclosure of $325.
3017	18590427	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3018	18590428	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3019	18590429	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3020	18590430	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3021	18590431	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3022	18590432	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3023	18590433	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3024	18590434	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3025	18590435	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3026	18590450	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3027	18590451	XXX	2020-04-06 09:20:18	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
3028	18590452	XXX	2020-04-06 09:20:18	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3029	18590453	XXX	2020-04-06 09:20:18	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3030	18590454	XXX	2020-04-06 09:20:18	Compliance	Compliance	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.
3031	18590455	XXX	2020-04-06 09:20:18	Compliance	Compliance	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.
3032	18590456	XXX	2020-04-06 09:20:18	Compliance	Compliance	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.
3033	18590457	XXX	2020-04-06 09:20:18	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3034	18590458	XXX	2020-04-06 09:20:18	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3035	18590459	XXX	2020-04-06 09:20:18	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3036	18590460	XXX	2020-04-06 09:20:18	Compliance	Property - Appraisal	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.
3037	18590461	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3038	18590462	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3039	18590463	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3040	18590464	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3041	18590465	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3042	18590466	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3043	18590467	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3044	18590468	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3045	18590469	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3046	18590472	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3047	18590473	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3048	18590474	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
3049	18590475	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3050	18590476	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3051	18590482	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3052	18590483	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3053	18590484	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3054	18590485	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $236,311.21 is underdisclosed from calculated Finance Charge of $236,483.33 in the amount of $172.12.	TIL itemization did not disclose a document signing fee of $150 as prepaid finance charge.
3055	18590488	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3056	18590491	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3057	18590492	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3058	18590493	XXX	2020-02-13 11:26:48	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
3059	18590494	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3060	18590495	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3061	18590496	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3062	18590497	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3063	18590498	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3064	18590499	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $330,145.20 is underdisclosed from calculated Finance Charge of $330,938.59 in the amount of $793.39.	Fees are under disclosed $375.17.  Itemization does not include the following fees which were charged to the borrower on the HUD:  Extension Fee $720.00 and Recording Service Fee $75.00.
3065	18590500	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3066	18590502	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3067	18590503	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $111,801.70 is underdisclosed from calculated Finance Charge of $111,895.39 in the amount of $93.69.	TIL Itemization did not disclose the$15 flood, $72 tax service and $25 courier as prepaid finance charges and over disclosed $18 credit report.
3068	18590504	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3069	18590505	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3070	18590506	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3071	18590507	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3072	18590509	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3073	18590510	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3074	18590511	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3075	18590512	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3076	18590513	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3077	18590520	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3078	18590521	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3079	18590522	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3080	18590523	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3081	18590524	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3082	18590525	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3083	18590526	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3084	18590527	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3085	18590528	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3086	18590529	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3087	18590530	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3088	18590531	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3089	18590532	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3090	18590533	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3091	18590534	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
3092	18590535	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3093	18590536	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3094	18590537	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3095	18590538	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3096	18590539	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3097	18590540	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3098	18590541	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3099	18590542	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3100	18590543	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3101	18590544	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3102	18590547	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3103	18590548	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3104	18590549	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $232,647.71 is underdisclosed from calculated Finance Charge of $232,687.95 in the amount of $40.24.	Itemization of Amount Financed does not include the $40 Wire fee in the Prepaid Finance Charges.
3105	18590550	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3106	18590552	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3107	18590554	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3108	18590555	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3109	18590556	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3110	18590557	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3111	18590558	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3112	18590559	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3113	18590560	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $254,116.90 is underdisclosed from calculated Finance Charge of $254,178.18 in the amount of $61.28.	Unable to determine under disclosure, due to missing itemization of amount financed.
3114	18590561	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3115	18590567	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3116	18590568	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3117	18590569	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $224,350.71 is underdisclosed from calculated Finance Charge of $224,558.95 in the amount of $208.24.	The TIL Itemization did not disclose an email/edoc fee of $25, a recording service fee of $30, a release tracking fee of $75, a title courier fee of $40 and a wire fee of $15 as prepaid finance charges. The TIL itemization disclosed prepaid interest at $435.41 which is reflected on the hud at $528.72, and a settlement fee at $325 which is reflected on the hud at $260.
3118	18590570	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3119	18590571	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3120	18590572	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3121	18590573	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3122	18590574	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
3123	18590575	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
3124	18590576	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3125	18590577	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
3126	18590578	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3127	18590579	XXX	2020-03-31 19:48:06	Compliance	Compliance	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
3128	18590583	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3129	18590584	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3130	18590585	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
3131	18590586	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
3132	18590587	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $461,211.82 is underdisclosed from calculated Finance Charge of $470,484.32 in the amount of $9,272.50.	Closing instructions indicate the Index used was 3.6860%. The closest Index available in our look-back period is 3.70250%.
3133	18590588	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3134	18590589	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3135	18590590	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
3136	18590591	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3137	18590592	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3138	18590593	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3139	18590594	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3140	18590595	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3141	18590596	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3142	18590597	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $347,354.77 is underdisclosed from calculated Finance Charge of $353,289.83 in the amount of $5,935.06.	It appears a lower index was used at origination than the 3.702% available within the look-back period.
3143	18590598	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3144	18590599	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3145	18590600	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3146	18590601	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3147	18590605	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3148	18590606	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Maryland Property Insurance (Property Insurance Exceeds Replacement Value)	Maryland HB649:  Property insurance exceeds the replacement value of the property.
3149	18590607	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $354,362.43 is underdisclosed from calculated Finance Charge of $354,822.95 in the amount of $460.52.	Unable to determine under disclosure due to missing itemization of amount financed.
3150	18590608	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3151	18590609	XXX	2020-02-13 11:26:48	Compliance	Compliance	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).
3152	18590610	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3153	18590611	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3154	18590612	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3155	18590613	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $164,708.30 is underdisclosed from calculated Finance Charge of $164,929.26 in the amount of $220.96.	Unable to determine under disclosure due to missing itemization of amount financed.
3156	18590615	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3157	18590616	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3158	18590617	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3159	18590618	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3160	18590619	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3161	18590620	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
3162	18590621	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3163	18590622	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3164	18590623	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3165	18590624	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3166	18590625	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3167	18590626	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3168	18590627	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3169	18590631	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3170	18590643	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3171	18590650	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3172	18590646	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3173	18590647	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3174	18590648	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3175	18590649	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
3176	18590651	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3177	18590653	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3178	18590654	XXX	2020-02-13 11:26:48	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3179	18590658	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3180	18590659	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
3181	18590660	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3182	18590661	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3183	18590662	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3184	18590663	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3185	18590664	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3186	18590665	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3187	18590670	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3188	18590671	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3189	18590672	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $124,031.69 is underdisclosed from calculated Finance Charge of $124,188.19 in the amount of $156.50.	Unable to determine under disclosure due to missing itemization of amount financed.
3190	18590673	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
3191	18590674	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
3192	18590675	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3193	18590679	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3194	18590680	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3195	18590681	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3196	18590682	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3197	18590683	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3198	18590684	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3199	18590685	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3200	18590690	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3201	18590691	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3202	18590692	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3203	18590693	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3204	18590694	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3205	18590695	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3206	18590696	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3207	18590697	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3208	18590698	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3209	18590699	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3210	18590700	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3211	18590701	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3212	18590702	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
3213	18590703	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3214	18590704	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $211,087.28 is underdisclosed from calculated Finance Charge of $218,405.09 in the amount of $7,317.81.	Closing instructions indicate the Index used was 3.3300%. The closest Index available in our look-back period is 3.59880%.
3215	18590705	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3216	18590706	XXX	2020-02-28 08:33:33	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3217	18590712	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3218	18590713	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3219	18590714	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3220	18590715	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3221	18590716	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3222	18590717	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3223	18590718	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3224	18590719	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3225	18590720	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3226	18590721	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3227	18590722	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3228	18590723	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3229	18590724	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3230	18590725	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
3231	18590726	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3232	18590727	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3233	18590728	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3234	18590729	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3235	18590730	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3236	18590731	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3237	18590736	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	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.
3238	18590737	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3239	18590738	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received
3240	18590739	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3241	18590740	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
3242	18590741	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3243	18590742	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3244	18590743	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3245	18590744	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3246	18590745	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3247	18590746	XXX	2020-02-13 11:26:48	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3248	18590747	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3249	18590748	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3250	18590749	XXX	2020-02-13 11:26:48	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
3251	18590750	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3252	18590751	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3253	18590752	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3254	18590753	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3255	18590754	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3256	18590755	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3257	18590756	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3258	18590757	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3259	18590758	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3260	18590759	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3261	18590760	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3262	18590761	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3263	18590762	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3264	18590763	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3265	18590764	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3266	18590765	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
3267	18590766	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
3268	18590767	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3269	18590768	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3270	18590769	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3271	18590774	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3272	18590782	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3273	18590783	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3274	18590784	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
3275	18590785	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3276	18590786	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3277	18590787	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3278	18590788	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3279	18590789	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3280	18590790	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3281	18590791	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3282	18590792	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3283	18590793	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3284	18590794	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3285	18590795	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3286	18590796	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3287	18590797	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3288	18590798	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3289	18590799	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
3290	18590800	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3291	18590801	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3292	18590802	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3293	18590803	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3294	18590804	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3295	18590806	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3296	18590807	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3297	18590808	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
3298	18590809	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
3299	18590810	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3300	18590811	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3301	18590812	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
3302	18590813	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3303	18590814	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3304	18590815	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3305	18590816	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3306	18590817	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3307	18590818	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3308	18590819	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3309	18590820	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3310	18590821	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3311	18590825	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3312	18590826	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3313	18590827	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3314	18590828	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $350,455.74 is underdisclosed from calculated Finance Charge of $350,766.77 in the amount of $311.03.	Itemization does not include $225 Attorney fee and disclosed origination fee of $1650.00 vs the actual fee of $1580.00.
3315	18590836	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3316	18590838	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3317	18590841	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3318	18590842	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3319	18590843	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3320	18590844	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3321	18590845	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3322	18590846	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3323	18590847	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
3324	18590848	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3325	18590849	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
3326	18590869	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3327	18590871	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3328	18590872	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3329	18590876	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3330	18590874	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3331	18590875	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3332	18590877	XXX	2020-02-20 15:26:01	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3333	18590878	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3334	18590879	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3335	18590880	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3336	18590881	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $126,457.37 is underdisclosed from calculated Finance Charge of $126,564.45 in the amount of $107.08.	Review of the itemization of charges per the Closing Instruction document, the fees for Courier $56.50 and Post Closing Handling fee of $53 were not included in the itemization of charges; however, these fees were charged at closing.  This is the source of the under disclosure in the amount of $107.08
3337	18590882	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3338	18590883	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3339	18590884	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
3340	18590885	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3341	18590886	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3342	18590887	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
3343	18590888	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3344	18590889	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3345	18590890	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3346	18590891	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3347	18590892	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3348	18590894	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3349	18590895	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3350	18590899	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $100,359.44 is underdisclosed from calculated Finance Charge of $100,690.90 in the amount of $331.46.	TIL itemization did not disclose an attorney fee of $400 as prepaid finance charge.
3351	18590900	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3352	18590903	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3353	18590904	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3354	18590912	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2004
3355	18590916	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3356	18590917	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3357	18590920	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3358	18590918	XXX	2020-02-13 11:26:48	Compliance	Compliance	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
3359	18590919	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3360	18590921	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $234,970.93 is underdisclosed from calculated Finance Charge of $235,184.06 in the amount of $213.13.	Itemization did not disclose the title courier fee of $64.92, MERS fee of $3.95 and wire fee of $10.82 as prepaid finance charges. Itemization disclosed the prepaid interest as $33.35 whereas the HUD disclosed as $166.78.
3361	18590924	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3362	18590925	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3363	18590926	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3364	18590927	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3365	18590928	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3366	18590929	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3367	18590930	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
3368	18590931	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3369	18590932	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3370	18590933	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3371	18590934	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3372	18590935	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3373	18590941	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3374	18590942	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3375	18590943	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3376	18590944	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3377	18590945	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3378	18590946	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3379	18590947	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3380	18590948	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3381	18590949	XXX	2020-03-31 19:48:06	Compliance	Compliance	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).
3382	18590965	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3383	18590966	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3384	18590967	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $120,347.66 is underdisclosed from calculated Finance Charge of $120,392.80 in the amount of $45.14.	itemization did not disclose the PIW fee of $50 as prepaid finance charges.
3385	18590968	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3386	18590972	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3387	18590973	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3388	18590991	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
3389	18590992	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
3390	18590993	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
3391	18590994	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
3392	18590995	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
3393	18590996	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3394	18591006	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3395	18591007	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3396	18591008	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3397	18591011	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $173,142.63 is underdisclosed from calculated Finance Charge of $173,192.73 in the amount of $50.10.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
3398	18591012	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3399	18591013	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3400	18591014	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3401	18591015	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3402	18591016	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3403	18591017	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3404	18591018	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3405	18591019	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3406	18591020	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3407	18591021	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $159,056.54 is underdisclosed from calculated Finance Charge of $159,312.32 in the amount of $255.78.	Under disclosure due to lender TIL reflects MI rate of .91% for 118 months and the calculated TIL reflects MI rate of .91% for 120 months.
3408	18591024	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3409	18591025	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3410	18591026	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3411	18591022	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3412	18591023	XXX	2020-02-28 08:33:33	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3413	18591027	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3414	18591028	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3415	18591029	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3416	18591030	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3417	18591031	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3418	18591032	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3419	18591033	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3420	18591034	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
3421	18591035	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3422	18591037	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3423	18591040	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $44,499.55 is underdisclosed from calculated Finance Charge of $44,603.60 in the amount of $104.05.	Unable to determine under disclosure due to missing Itemization of amount financed.
3424	18591043	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3425	18591044	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3426	18591045	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 5.47500% is underdisclosed from calculated APR of 5.81210% outside of 0.125% tolerance.
3427	18591046	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $64,734.73 is underdisclosed from calculated Finance Charge of $67,711.79 in the amount of $2,977.06.	TIL itemization did not disclose an origination fee of $3250.00 as a prepaid finance charge.
3428	18591042	XXX	2020-02-20 15:26:01	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3429	18591047	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3430	18591048	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3431	18591049	XXX	2020-02-20 15:26:01	Compliance	Compliance	Miscellaneous Compliance	Initial TIL not provided
3432	18591050	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3433	18591051	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3434	18591052	XXX	2020-02-20 15:26:01	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3435	18591053	XXX	2020-02-20 15:26:01	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3436	18591054	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3437	18591055	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3438	18591056	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3439	18591057	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3440	18591058	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3441	18591059	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3442	18591060	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
3443	18591061	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3444	18591062	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
3445	18591063	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3446	18591066	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3447	18591080	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3448	18591081	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3449	18591082	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3450	18591083	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3451	18591094	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3452	18591095	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
3453	18591096	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3454	18591097	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3455	18591098	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3456	18591099	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3457	18591100	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3458	18591101	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3459	18591102	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3460	18591103	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
3461	18591104	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3462	18591106	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3463	18591107	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $214,480.47 is underdisclosed from calculated Finance Charge of $214,835.05 in the amount of $354.58.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
3464	18591118	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3465	18591119	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3466	18591120	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
3467	18591121	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
3468	18591122	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3469	18591123	XXX	2020-02-20 15:26:01	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3470	18591124	XXX	2020-02-20 15:26:01	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3471	18591125	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
3472	18591126	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3473	18591127	XXX	2020-02-20 15:26:01	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3474	18591128	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3475	18591129	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3476	18591130	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3477	18591131	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3478	18591132	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3479	18591133	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
3480	18591136	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3481	18591138	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $371,616.19 is underdisclosed from calculated Finance Charge of $371,674.93 in the amount of $58.74.	TIL itemization did not disclose a title courier/ messenger fee of $60 as prepaid finance charge.
3482	18591139	XXX	2020-02-20 15:26:01	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3483	18591140	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3484	18591141	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3485	18591142	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3486	18591143	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3487	18591144	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Closing / Title	Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:	Homestead Exemption Waiver
3488	18591145	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
3489	18591146	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
3490	18591147	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3491	18591148	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3492	18591149	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3493	18591150	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3494	18591165	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $187,785.13 is underdisclosed from calculated Finance Charge of $187,848.38 in the amount of $63.25.	Lenders Final TIL represents 101 monthly payments of MI. Whereas audited finance charge reflects 102 monthly payments of MI and a fall-off after approximately 78% LTV
3495	18591166	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3496	18591151	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3497	18591152	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3498	18591153	XXX	2020-02-20 15:26:01	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3499	18591154	XXX	2020-02-20 15:26:01	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
3500	18591155	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3501	18591156	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3502	18591157	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3503	18591158	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3504	18591159	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
3505	18591160	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3506	18591161	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3507	18591162	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3508	18591163	XXX	2020-02-20 15:26:01	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3509	18591164	XXX	2020-02-20 15:26:01	Compliance	Property - Appraisal	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.
3510	18591167	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Initial TIL not provided
3511	18591168	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	South Carolina CHL Complaint Agency Disclosure Timing Test	South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.
3512	18591169	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3513	18591170	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
3514	18591171	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
3515	18591172	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3516	18591177	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3517	18591178	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3518	18591179	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3519	18591181	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3520	18591182	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3521	18591183	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3522	18591184	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3523	18591186	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3524	18591189	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3525	18591195	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3526	18591196	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3527	18591197	XXX	2020-02-20 15:26:01	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3528	18591198	XXX	2020-02-20 15:26:01	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
3529	18591199	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3530	18591200	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3531	18591201	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3532	18591202	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3533	18591203	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3534	18591204	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3535	18591205	XXX	2020-02-20 15:26:01	Compliance	Property - Appraisal	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.
3536	18591206	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3537	18591207	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
3538	18591209	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3539	18591211	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3540	18591212	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3541	18591213	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3542	18591214	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3543	18591215	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3544	18591216	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3545	18591219	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3546	18591220	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
3547	18591221	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3548	18591222	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3549	18591223	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3550	18591224	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3551	18591225	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3552	18591226	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3553	18591227	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
3554	18591228	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3555	18591229	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3556	18591232	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3557	18591234	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3558	18591236	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3559	18591238	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3560	18591233	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3561	18591235	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3562	18591237	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
3563	18591239	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $245,962.92 is underdisclosed from calculated Finance Charge of $262,010.12 in the amount of $16,047.20.	Under disclosure is due to the lender utilizing an index value of 1.32% per the approval, however the lowest index value available in the lookback period is 1.5%.
3564	18591240	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3565	18591241	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3566	18591242	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3567	18591243	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $97,567.33 is underdisclosed from calculated Finance Charge of $97,850.38 in the amount of $283.05.	Unable to determine the under disclosure due to missing the Itemization of Amount Financed
3568	18591244	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3569	18591245	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3570	18591259	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3571	18591260	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3572	18591261	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3573	18591262	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3574	18591263	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3575	18591264	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3576	18591265	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $127,324.25 is underdisclosed from calculated Finance Charge of $130,085.54 in the amount of $2,761.29.	Under disclosure is payment stream related. TIL reflects 275 payments at $798.35 while the calculated payment is $808.35.
3577	18591266	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3578	18591267	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3579	18591268	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3580	18591269	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
3581	18591273	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3582	18591274	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3583	18591275	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
3584	18591276	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $266,342.58 is underdisclosed from calculated Finance Charge of $266,527.65 in the amount of $185.07.	Itemization disclosed the settlement fee as $275 whereas the HUD disclosed the fee as $410. Itemization did not disclose the courier fee of $50 as prepaid finance charges
3585	18591277	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
3586	18591278	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3587	18591279	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3588	18591280	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3589	18591284	XXX	2020-02-20 15:26:01	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3590	18591285	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3591	18591286	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3592	18591287	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3593	18591288	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3594	18591289	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3595	18591290	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3596	18591291	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $169,149.44 is underdisclosed from calculated Finance Charge of $169,330.88 in the amount of $181.44.	Itemization did not include settlement fee of $200 as prepaid finance charge.
3597	18591292	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3598	18591293	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3599	18594262	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3600	18594263	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3601	18594264	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3602	18594265	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3603	18594272	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3604	18594273	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3605	18594274	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3606	18594275	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3607	18594276	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3608	18594277	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3609	18594295	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2003
3610	18594296	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $217,672.85 is underdisclosed from calculated Finance Charge of $217,838.98 in the amount of $166.13.	Unable to determine under disclosure, due to missing itemization of amount financed.
3611	18594298	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3612	18594299	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3613	18594300	XXX	2020-03-31 19:48:06	Compliance	Compliance	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 Investment)
3614	18594302	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3615	18594303	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3616	18594314	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3617	18594315	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3618	18594316	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3619	18594317	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3620	18594318	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $68,530.16 is underdisclosed from calculated Finance Charge of $68,631.38 in the amount of $101.22.	TIL Itemization did not disclose the $35 CPL, $7 flood, $29.45 MI reserve, $45 courier or $20 wire as prepaid finance charges. Also, overdisclosed per diem interest by $24.50
3621	18594325	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3622	18594326	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3623	18594338	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3624	18594339	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3625	18594345	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3626	18594346	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
3627	18594347	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3628	18594348	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3629	18594349	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3630	18594350	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3631	18594351	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3632	18594352	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3633	18594353	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3634	18594354	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
3635	18594355	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
3636	18594356	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3637	18594357	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3638	18594358	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
3639	18594359	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $142,189.60 is underdisclosed from calculated Finance Charge of $142,743.53 in the amount of $553.93.	Unable to determine under disclosure due to missing itemization of amount financed.
3640	18594670	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
3641	18594671	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3642	18594672	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3643	18594673	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3644	18594674	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3645	18594675	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
3646	18594676	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
3647	18594677	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
3648	18594678	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3649	18594679	XXX	2020-02-20 15:26:01	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3650	18594680	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
3651	18594681	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3652	18594682	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3653	18594683	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3654	18594684	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
3655	18594685	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3656	18594686	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3657	18594687	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3658	18594688	XXX	2020-02-20 15:26:01	Compliance	Compliance	State Compliance	New York Prepayment Penalty	New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months.  Loan with an interest rate of 6.87500% contracts for a prepay term of 36 months, which exceeds max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.
3659	18594689	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3660	18594690	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3661	18594691	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
3662	18594692	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
3663	18594696	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
3664	18594697	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3665	18594698	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
3666	18594699	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
3667	18594700	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3668	18594701	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3669	18594702	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
3670	18594703	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 801) With Cure	RESPA (2010): 0% tolerance violation for 801 fee with  evidence of cure provided on Final HUD-1
3671	18594704	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) With Cure	RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1
3672	18594706	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3673	18594707	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
3674	18594708	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3675	18594709	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3676	18594710	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3677	18594711	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3678	18594712	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3679	18594713	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3680	18594714	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $78,347.22 is underdisclosed from calculated Finance Charge of $78,783.35 in the amount of $436.13.	Unable to determine under disclosure due to missing itemization of amount financed.
3681	18594715	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
3682	18594716	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3683	18594717	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3684	18594718	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
3685	18594721	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3686	18594722	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
3687	18594723	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3688	18594724	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3689	18594725	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
3690	18594726	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3691	18594727	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3692	18594728	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3693	18594729	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3694	18594730	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3695	18594731	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3696	18594732	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 4.22000% is underdisclosed from calculated APR of 4.39275% outside of 0.125% tolerance.
3697	18594733	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $73,647.73 is underdisclosed from calculated Finance Charge of $77,417.72 in the amount of $3,769.99.	Under disclosure appears to be due to audited TIL indicating MI dropping off at 90 payments and Lenders TIL reflects MI for term of the loan.
3698	18594734	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3699	18594735	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
3700	18594736	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
3701	18594744	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3702	18594745	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3703	18594746	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3704	18594747	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $69,809.95 is underdisclosed from calculated Finance Charge of $70,290.07 in the amount of $480.12.	Unable to determine under disclosure due to missing itemization of amount financed.
3705	18594748	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
3706	18594749	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3707	18594759	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
3708	18594760	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3709	18594761	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
3710	18594762	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3711	18594763	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3712	18594764	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3713	18594765	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3714	18594766	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3715	18594767	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3716	18594768	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3717	18594769	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3718	18594770	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3719	18594771	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3720	18594772	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3721	18594773	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3722	18594774	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3723	18594775	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
3724	18594776	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) Without Cure	RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
3725	18594777	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
3726	18594778	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
3727	18594779	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3728	18594787	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3729	18594788	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
3730	18594785	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
3731	18594786	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3732	18594790	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
3733	18594791	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3734	18594792	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3735	18594793	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3736	18594794	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3737	18594795	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3738	18594796	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
3739	18594797	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3740	18594798	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
3741	18594799	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3742	18594800	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3743	18594801	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
3744	18594802	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final GFE Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.
3745	18594803	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final HUD-1 Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.
3746	18594804	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3747	18594805	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3748	18594806	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
3749	18594814	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3750	18594815	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3751	18594816	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3752	18594817	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3753	18594818	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $217,015.28 is underdisclosed from calculated Finance Charge of $217,350.22 in the amount of $334.94.	Unable to determine cause of under disclosure due to missing itemization of amount financed.
3754	18594819	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
3755	18594820	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
3756	18594821	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3757	18594822	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
3758	18594823	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3759	18594828	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3760	18594829	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $71,690.67 is underdisclosed from calculated Finance Charge of $71,758.30 in the amount of $67.63.	TIL itemization did not disclose an assignment recording fee of $55.50 as prepaid finance charge.
3761	18594830	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3762	18594831	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3763	18594832	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3764	18594833	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3765	18594834	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/2013 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.
3766	18594835	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3767	18594836	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3768	18594837	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3769	18594838	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
3770	18594839	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
3771	18594840	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
3772	18594841	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
3773	18594842	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3774	18594863	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3775	18594864	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
3776	18594865	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3777	18594866	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3778	18594867	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
3779	18594868	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3780	18594869	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3781	18594870	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3782	18594871	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3783	18594872	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3784	18594873	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3785	18594874	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3786	18594875	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3787	18594876	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
3788	18594877	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3789	18594878	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
3790	18594881	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3791	18594882	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3792	18594883	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3793	18594884	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3794	18594885	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3795	18594886	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $62,413.85 is underdisclosed from calculated Finance Charge of $63,197.61 in the amount of $783.76.	Unable to determine under disclosure due to missing Itemization of Amount Financed. There is a Lender Credit on line 205 for $1042.62 which is un-itemized therefore excluded.
3796	18594887	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3797	18594888	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance With Cure	RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.
3798	18594889	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3799	18594890	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3800	18594891	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3801	18594892	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3802	18594893	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3803	18594894	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3804	18594895	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
3805	18594896	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3806	18594897	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
3807	18594900	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3808	18594901	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3809	18594902	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account Statement Missing	RESPA: Initial escrow account statement was not provided to the borrower.
3810	18594903	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
3811	18594904	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3812	18594905	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
3813	18594906	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
3814	18594907	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
3815	18594916	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3816	18594917	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3817	18594918	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
3818	18594919	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3819	18594920	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3820	18594921	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
3821	18594925	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3822	18594926	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
3823	18594927	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3824	18594928	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3825	18594929	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
3826	18594930	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3827	18594931	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3828	18594932	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3829	18594933	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3830	18594934	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3831	18594935	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3832	18594936	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
3833	18594937	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3834	18594938	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3835	18594939	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3836	18594940	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Closing / Title	The Note has not been signed by the borrower(s).
3837	18594941	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3838	18594942	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3839	18594943	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3840	18594944	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3841	18594945	XXX	2020-02-28 08:33:33	Compliance	Compliance	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
3842	18594946	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3843	18594947	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
3844	18594948	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3845	18594949	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3846	18594950	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3847	18594953	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
3848	18594954	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3849	18594955	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3850	18594961	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3851	18594962	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3852	18594963	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
3853	18594964	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3854	18594965	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
3855	18594966	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
3856	18594967	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3857	18594968	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3858	18594969	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3859	18594970	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
3860	18594971	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3861	18594972	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3862	18594973	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3863	18594989	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3864	18594990	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3865	18594991	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3866	18594992	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
3867	18594993	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
3868	18594994	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
3869	18594995	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
3870	18594996	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3871	18594997	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3872	18594998	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
3873	18594999	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.
3874	18595000	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $127,436.35 is underdisclosed from calculated Finance Charge of $127,505.98 in the amount of $69.63.	Unable to determine the reason for the under disclosure due to missing the itemization of amount financed.
3875	18595002	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3876	18595003	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3877	18595004	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
3878	18595005	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
3879	18595006	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
3880	18595007	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
3881	18595008	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3882	18595009	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
3883	18595025	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
3884	18595026	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3885	18595027	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3886	18595028	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3887	18595029	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
3888	18595030	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3889	18595031	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3890	18595032	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3891	18595033	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3892	18595034	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3893	18595035	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3894	18595036	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
3895	18595037	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3896	18595038	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3897	18595039	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3898	18595040	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3899	18595041	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Signed at Closing)	Ohio Consumer Sales Practices Act: Consumer did not sign the required Closing Disclosure on the date of closing
3900	18595042	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3901	18595043	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3902	18595045	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3903	18595046	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
3904	18595047	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3905	18595048	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3906	18595049	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3907	18595050	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3908	18595051	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3909	18595052	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3910	18595053	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3911	18595054	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3912	18595055	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3913	18595056	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3914	18595057	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
3915	18595058	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
3916	18595059	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction	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.
3917	18595060	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3918	18595061	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3919	18595065	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3920	18595066	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3921	18595067	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
3922	18595068	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $135,024.66 is underdisclosed from calculated Finance Charge of $135,099.58 in the amount of $74.92.	Itemization did not disclose the cpl fee of $75 as prepaid finance charges
3923	18595069	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) With Cure	RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1
3924	18595070	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) With Cure	RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1
3925	18595071	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
3926	18595072	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3927	18595073	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
3928	18595074	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3929	18595075	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3930	18595076	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
3931	18595077	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
3932	18595078	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
3933	18595079	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $133,547.43 is underdisclosed from calculated Finance Charge of $133,987.93 in the amount of $440.50.	Unable to determine under disclosure due to missing itemization of amount financed.
3934	18595080	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3935	18595081	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $32,014.43 is underdisclosed from calculated Finance Charge of $32,409.46 in the amount of $395.03.	Unable to determine source of finance charge under disclosure as there is no Itemization of Amount Financed present in file.
3936	18595097	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3937	18595098	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3938	18595099	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3939	18595100	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3940	18595101	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3941	18595102	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3942	18595103	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3943	18595104	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3944	18595105	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3945	18595106	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3946	18595107	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3947	18595108	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
3948	18595109	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
3949	18595110	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3950	18595111	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
3951	18595112	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3952	18595113	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3953	18595114	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3954	18595115	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
3955	18595116	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
3956	18595117	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
3957	18595118	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
3958	18595119	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3959	18595120	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2012 used as disbursement date for compliance testing.
3960	18595121	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3961	18595122	XXX	2020-03-05 11:35:15	Compliance	Compliance	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/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.
3962	18595123	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3963	18595124	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3964	18595125	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
3965	18595126	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
3966	18595127	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
3967	18595128	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
3968	18595129	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
3969	18595130	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
3970	18595131	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3971	18595152	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
3972	18595153	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
3973	18595154	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
3974	18595155	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3975	18595156	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
3976	18595157	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
3977	18595158	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
3978	18595159	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3979	18595160	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
3980	18595161	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
3981	18595162	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
3982	18595163	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
3983	18595164	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
3984	18595165	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
3985	18595166	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3986	18595167	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3987	18595168	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3988	18595169	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3989	18595170	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
3990	18595171	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
3991	18595172	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3992	18595173	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
3993	18595174	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 801) With Cure	RESPA (2010): 0% tolerance violation for 801 fee with  evidence of cure provided on Final HUD-1
3994	18595175	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) With Cure	RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1
3995	18595176	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $50,584.59 is underdisclosed from calculated Finance Charge of $50,734.59 in the amount of $150.00.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
3996	18595177	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3997	18595182	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
3998	18595183	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $193,173.68 is underdisclosed from calculated Finance Charge of $193,568.61 in the amount of $394.93.	Unable to determine under disclosure due to missing itemization of amount financed
3999	18595184	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4000	18595185	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
4001	18595186	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
4002	18595187	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4003	18595188	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
4004	18595189	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
4005	18595190	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
4006	18595191	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4007	18595192	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
4008	18595193	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
4009	18595194	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4010	18595195	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4011	18595196	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4012	18595197	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4013	18595198	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4014	18595199	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4015	18595200	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4016	18595201	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4017	18595202	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4018	18595203	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4019	18595204	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4020	18595205	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4021	18595206	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
4022	18595207	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4023	18595208	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
4024	18595209	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4025	18595210	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4026	18595211	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
4027	18595212	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4028	18595213	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2012 used as disbursement date for compliance testing.
4029	18595214	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4030	18595215	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/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.
4031	18595216	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4032	18595217	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
4033	18595218	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4034	18595219	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4035	18595220	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4036	18595221	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4037	18595222	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
4038	18595232	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
4039	18595233	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
4040	18595234	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4041	18595235	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
4042	18595229	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4043	18595230	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
4044	18595231	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4045	18595236	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4046	18595237	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4047	18595238	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
4048	18595239	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4049	18595240	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4050	18595241	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4051	18595242	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4052	18595243	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $280,428.32 is underdisclosed from calculated Finance Charge of $280,923.26 in the amount of $494.94.	Fees are under disclosed $494.94.  Itemization not provided.  Unable to verify the reason for the under disclosure without the Itemization.
4053	18595244	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4054	18595245	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4055	18595246	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4056	18595247	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Not Provided Within 3 Business Days of Application	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
4057	18595248	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $155,370.89 is underdisclosed from calculated Finance Charge of $155,508.30 in the amount of $137.41.	Unable to determine reason for under disclosure as file is missing the Itemization of Amount Financed.
4058	18595249	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4059	18595254	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4060	18595255	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4061	18595256	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4062	18595257	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4063	18595258	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4064	18595259	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4065	18595260	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4066	18595261	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4067	18595262	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $87,890.66 is underdisclosed from calculated Finance Charge of $88,242.97 in the amount of $352.31.	Unable to determine cause of under disclosure due to missing itemization of amount financed.
4068	18595263	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4069	18595264	XXX	2020-02-28 08:33:33	Compliance	Compliance	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
4070	18595265	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
4071	18595266	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
4072	18595267	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
4073	18595268	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4074	18595269	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4075	18595270	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4076	18595271	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4077	18595272	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
4078	18595273	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
4079	18595274	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
4080	18595275	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
4081	18595276	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4082	18595277	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4083	18595278	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4084	18595279	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
4085	18595280	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4086	18595281	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
4087	18595282	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
4088	18595283	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4089	18595284	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Closing / Title	Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:	Holder's right to foreclose, Homestead Exemption Waiver
4090	18595285	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4091	18595286	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
4092	18595287	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) Without Cure	RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
4093	18595288	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4094	18595289	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4095	18595290	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4096	18595291	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4097	18595292	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4098	18595293	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4099	18595294	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4100	18595295	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
4101	18595296	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4102	18595297	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4103	18595298	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4104	18595299	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.
4105	18595300	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
4106	18595301	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
4107	18595302	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
4108	18595303	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
4109	18595304	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4110	18595305	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
4111	18595306	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
4112	18595307	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4113	18595308	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
4114	18595309	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
4115	18595310	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4116	18595312	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4117	18595313	XXX	2020-02-28 08:33:33	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
4118	18595314	XXX	2020-02-28 08:33:33	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
4119	18595315	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4120	18595316	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4121	18595317	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4122	18595318	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account Statement Missing	RESPA: Initial escrow account statement was not provided to the borrower.
4123	18595319	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4124	18595320	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4125	18595321	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4126	18595322	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4127	18595323	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4128	18595324	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4129	18595325	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4130	18595326	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4131	18595327	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4132	18595328	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4133	18595329	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4134	18595330	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4135	18595331	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $293,799.19 is underdisclosed from calculated Finance Charge of $294,198.02 in the amount of $398.83.	Unable to determine under disclosure due to missing itemization of amount financed.
4136	18595332	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4137	18595333	XXX	2020-03-05 11:35:15	Credit	Title	Lien	Missing evidence of lien position on Other Financing.	Lien Position: 2
4138	18595334	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4139	18595335	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4140	18595336	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4141	18595337	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4142	18595338	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4143	18595339	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4144	18595340	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4145	18595341	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4146	18595342	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4147	18595343	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4148	18595344	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4149	18595345	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4150	18595346	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4151	18595347	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4152	18595348	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
4153	18595349	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
4154	18595350	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
4155	18595351	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
4156	18595352	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4157	18595353	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
4158	18595354	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4159	18595355	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4160	18595356	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.	Unable to confirm due to missing initial 1003
4161	18595357	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4162	18595358	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4163	18595359	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4164	18595360	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
4165	18595365	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4166	18595366	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4167	18595367	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
4168	18595368	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
4169	18595369	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4170	18595370	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4171	18595371	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4172	18595372	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $141,938.38 is underdisclosed from calculated Finance Charge of $142,085.69 in the amount of $147.31.	Unable to determine under disclosure due to missing itemization of amount financed.
4173	18595373	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2011
4174	18595374	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4175	18595375	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
4176	18595376	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
4177	18595377	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
4178	18595378	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
4179	18595379	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4180	18595380	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4181	18595381	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4182	18595382	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4183	18595383	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4184	18595384	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4185	18595385	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4186	18595386	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4187	18595387	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4188	18595388	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4189	18595389	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4190	18595390	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4191	18595391	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4192	18595392	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4193	18595393	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
4194	18595394	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4195	18595395	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4196	18595396	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4197	18595397	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4198	18595398	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4199	18595399	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/2011 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.
4200	18595400	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4201	18595401	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4202	18595402	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4203	18595403	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4204	18595404	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4205	18595405	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
4206	18595420	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4207	18595421	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
4208	18595422	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
4209	18595423	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4210	18595424	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4211	18595425	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
4212	18595426	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4213	18595427	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4214	18595428	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4215	18595429	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4216	18595431	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4217	18595433	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4218	18595437	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4219	18595438	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
4220	18595439	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4221	18595440	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4222	18595441	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4223	18595449	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
4224	18595450	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4225	18595451	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4226	18595452	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4227	18595453	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
4228	18595454	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
4229	18595455	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4230	18595456	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
4231	18595457	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4232	18595458	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4233	18595463	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
4234	18595464	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4235	18595465	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
4236	18595466	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4237	18595467	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
4238	18595468	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4239	18595469	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4240	18595470	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit)	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
4241	18595480	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
4242	18595481	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4243	18595482	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified)	Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.
4244	18595483	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4245	18595484	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
4246	18595485	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4247	18595486	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4248	18595487	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4249	18595488	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
4250	18595489	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4251	18595490	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4252	18595491	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4253	18595492	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4254	18595493	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4255	18595494	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4256	18595495	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4257	18595496	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4258	18595497	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4259	18595498	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/2011 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.
4260	18595499	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4261	18595500	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4262	18595501	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4263	18595502	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4264	18595503	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4265	18595504	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4266	18595505	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
4267	18595506	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4268	18595507	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4269	18595508	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
4270	18595509	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
4271	18595510	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4272	18595511	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4273	18595512	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4274	18595513	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4275	18595514	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4276	18595515	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4277	18595516	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4278	18595517	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4279	18595532	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4280	18595533	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4281	18595534	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4282	18595535	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4283	18595536	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4284	18595537	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4285	18595538	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4286	18595539	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4287	18595540	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account Statement Missing	RESPA: Initial escrow account statement was not provided to the borrower.
4288	18595541	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
4289	18595542	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4290	18595543	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4291	18595544	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4292	18595545	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) Without Cure	RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
4293	18595546	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
4294	18595547	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) Without Cure	RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
4295	18595548	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4296	18595549	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final GFE Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.
4297	18595550	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
4298	18595551	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final HUD-1 Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.
4299	18595552	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4300	18595553	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4301	18595554	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4302	18595555	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4303	18595556	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4304	18595557	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4305	18595558	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4306	18595559	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4307	18595560	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4308	18595561	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
4309	18595562	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4310	18595563	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4311	18595564	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2010
4312	18595565	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4313	18595566	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final GFE Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.
4314	18595567	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4315	18595568	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4316	18595579	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4317	18595580	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4318	18595581	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4319	18595582	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4320	18595583	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4321	18595584	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
4322	18595585	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
4323	18595586	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4324	18595587	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4325	18595588	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4326	18595589	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4327	18595590	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4328	18595591	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
4329	18595592	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4330	18595593	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.
4331	18595594	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4332	18595595	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4333	18595596	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Not Provided Within 3 Business Days of Application	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
4334	18595597	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4335	18595598	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided)	Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
4336	18595599	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4337	18595600	XXX	2020-02-28 08:33:33	Compliance	Compliance	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
4338	18595601	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2010
4339	18595602	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4340	18595603	XXX	2020-02-28 08:33:33	Compliance	Compliance	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
4341	18595604	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4342	18595605	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4343	18595606	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2010
4344	18595607	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified)	Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.
4345	18595608	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement)	Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.
4346	18595609	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4347	18595610	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4348	18595611	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
4349	18595612	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4350	18595613	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4351	18595614	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4352	18595615	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4353	18595616	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4354	18595617	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $151,967.83 is underdisclosed from calculated Finance Charge of $152,462.83 in the amount of $495.00.	Unable to determine Under Disclosure as file is missing the Itemization of Amount Financed.
4355	18595619	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: AVM / Valuation Report Date: XX/XX/2010
4356	18595620	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4357	18595621	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4358	18595622	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4359	18595623	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4360	18595624	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4361	18595625	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4362	18595626	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4363	18595627	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4364	18595628	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4365	18595629	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
4366	18595630	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4367	18595631	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4368	18595632	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4369	18595633	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4370	18595634	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4371	18595644	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4372	18595645	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
4373	18595646	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4374	18595656	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4375	18595657	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4376	18595658	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4377	18595659	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2010
4378	18595660	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4379	18595661	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4380	18595669	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4381	18595670	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4382	18595671	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4383	18595672	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4384	18595673	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4385	18595674	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
4386	18595675	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4387	18595676	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4388	18595677	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4389	18595678	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4390	18595679	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	South Carolina Home Loan (No Tangible Net Benefit)	South Carolina Home Loan: Mortgage loan refinanced within 42 months of previous loan without a tangible net benefit to borrower.
4391	18595680	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4392	18595681	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $146,643.75 is underdisclosed from calculated Finance Charge of $146,729.08 in the amount of $85.33.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
4393	18595682	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4394	18595691	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4395	18595692	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4396	18595693	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4397	18595694	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4398	18595695	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4399	18595696	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4400	18595697	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/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.
4401	18595698	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4402	18595699	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4403	18595700	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4404	18595701	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4405	18595702	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4406	18595703	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
4407	18595704	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4408	18595705	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4409	18595706	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2010
4410	18595707	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4411	18595708	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4412	18595709	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4413	18595710	XXX	2020-02-28 08:33:33	Compliance	Compliance	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).
4414	18595711	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4415	18595713	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4416	18595714	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4417	18595719	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4418	18595720	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
4419	18595721	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4420	18595722	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4421	18595723	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4422	18595724	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account Statement Missing	RESPA: Initial escrow account statement was not provided to the borrower.
4423	18595725	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
4424	18595726	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
4425	18595727	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4426	18595728	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4427	18595729	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4428	18595730	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4429	18595731	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Not Provided Within 3 Business Days of Application	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
4430	18595732	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4431	18595733	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4432	18595734	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
4433	18595735	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4434	18595744	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4435	18595745	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4436	18595746	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4437	18595747	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4438	18595748	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2010
4439	18595749	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4440	18595750	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4441	18595751	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.
4442	18595752	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4443	18595753	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
4444	18595754	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4445	18595755	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4446	18595756	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4447	18595763	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4448	18595764	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4449	18595765	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4450	18595766	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4451	18595767	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.
4452	18595768	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA 7-day Waiting Period - Initial TIL Less than 7 days from Consummation	Truth in Lending Act (Early TIL Disclosure):  Initial TIL was not delivered to the borrower at least seven (7) business days prior to note date.
4453	18595769	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $224,078.47 is underdisclosed from calculated Finance Charge of $224,265.63 in the amount of $187.16.	TIL Itemization did not disclose the recording service fee of $187 as a prepaid finance charge.
4454	18595770	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4455	18595771	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4456	18595772	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided)	Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
4457	18595773	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Maryland Ability to Repay Not Verified	Maryland SB270:  Borrower’s ability to repay not verified with reliable documentation.
4458	18595774	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4459	18595775	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
4460	18595776	XXX	2020-02-28 08:33:33	Compliance	Loan Package Documentation	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.
4461	18595777	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4462	18595778	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4463	18595785	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2009
4464	18595786	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $174,079.41 is underdisclosed from calculated Finance Charge of $174,205.37 in the amount of $125.96.	TIL Itemization did not disclose Recording Service Charge of $60.00 or Subordination Recording Fee of $66.00 as Prepaid Finance Charges.
4465	18595787	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4466	18595788	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4467	18595789	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4468	18595790	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4469	18595791	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4470	18595792	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement)	Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.
4471	18595793	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4472	18595794	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4473	18595795	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 5.56150% is underdisclosed from calculated APR of 6.00760% outside of 0.125% tolerance.
4474	18595796	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $201,813.60 is underdisclosed from calculated Finance Charge of $213,864.50 in the amount of $12,050.90.	It appears Lender Final TIL does not include MI monthly payments.  MI per MI Cert, 1003 and 1008 in the file.
4475	18595797	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4476	18595798	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
4477	18595799	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4478	18595800	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4479	18595806	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4480	18595805	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	General Appraisal Requirements	Valuation Error: Valuation report date was not provided.	Valuation Type: Appraisal / Valuation Report Date: <empty>
4481	18595807	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	General Appraisal Requirements	Valuation Error: Valuation effective date was not provided.	Valuation Type: Appraisal / Valuation Report Date: <empty>
4482	18595808	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4483	18595809	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4484	18595810	XXX	2020-03-17 15:14:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4485	18595811	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4486	18595812	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4487	18595813	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4488	18595814	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4489	18595815	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified)	Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.
4490	18595816	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
4491	18595817	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4492	18595818	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4493	18595819	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
4494	18595820	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	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
4495	18595822	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.
4496	18595823	XXX	2020-02-20 15:26:01	Compliance	Compliance	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/2009, prior to three (3) business days from transaction date of XX/XX/2009.
4497	18595824	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4498	18595825	XXX	2020-02-20 15:26:01	Compliance	Compliance	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).
4499	18595826	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4500	18595827	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4501	18595828	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
4502	18595829	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4503	18595830	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4504	18595831	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4505	18595832	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4506	18595833	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	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
4507	18595834	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4508	18595835	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
4509	18595836	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $141,991.24 is underdisclosed from calculated Finance Charge of $142,064.16 in the amount of $72.92.	Itemization did not disclose the cpl fee of $55.40 and recording fee of $18 as prepaid finance charges
4510	18595837	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received
4511	18595838	XXX	2020-02-20 15:26:01	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
4512	18595839	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4513	18595840	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
4514	18595841	XXX	2020-02-20 15:26:01	Compliance	Compliance	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/2009, prior to three (3) business days from transaction date of XX/XX/2009.
4515	18595842	XXX	2020-02-20 15:26:01	Compliance	Compliance	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).
4516	18595843	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.	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.
4517	18595844	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	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.
4518	18595847	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4519	18595848	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $482,247.08 is underdisclosed from calculated Finance Charge of $482,286.25 in the amount of $39.17.	Unable to determine reason for the under disclosure as file is missing the Itemization of Amount Financed.
4520	18595849	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4521	18595850	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4522	18595851	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	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.
4523	18595852	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4524	18595859	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4525	18595860	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4526	18595861	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
4527	18595862	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2009
4528	18595873	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
4529	18595874	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4530	18595879	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4531	18595880	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4532	18595881	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4533	18595882	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4534	18595883	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $253,982.36 is underdisclosed from calculated Finance Charge of $254,382.37 in the amount of $400.01.	Fees are under disclosed $400.01.  Itemization not provided.  Unable to verify the reason for the under disclosure due to missing Itemization.
4535	18595884	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4536	18595885	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties		TIL appears to be Final TIL, not signed and dated by borrowers.
4537	18595887	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4538	18595888	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4539	18595889	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4540	18595890	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4541	18595896	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4542	18595897	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
4543	18595898	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4544	18595899	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit)	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
4545	18595905	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4546	18595906	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4547	18595907	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
4548	18595908	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4549	18595909	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4550	18595911	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4551	18595912	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4552	18595916	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4553	18595917	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4554	18595918	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $108,124.88 is underdisclosed from calculated Finance Charge of $108,176.40 in the amount of $51.52.	Under disclosure due to TIL itemization did not disclose a Closing Protection Letter fee in the amount of $51.70, as prepaid finance charge.
4555	18595919	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $355,114.54 is underdisclosed from calculated Finance Charge of $362,467.70 in the amount of $7,353.16.	Unable to determine under disclosure due to missing itemization of amount financed.
4556	18595920	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 5.87000% is overdisclosed from calculated APR of 5.55447% outside of 0.125% tolerance.
4557	18595921	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
4558	18595922	XXX	2020-02-20 15:26:01	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4559	18595923	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
4560	18595924	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4561	18595925	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Valuation Error: APN Number not provided.	Valuation Type: Appraisal / Valuation Report Date: XX/XX/2009
4562	18595927	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4563	18595928	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
4564	18595929	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4565	18595930	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4566	18595931	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
4567	18595932	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	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.
4568	18595933	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4569	18595934	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4570	18595935	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2009
4571	18595936	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4572	18595937	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4573	18595938	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $289,430.98 is underdisclosed from calculated Finance Charge of $290,355.99 in the amount of $925.01.	Unable to determine under disclosure due to missing itemization of amount financed.
4574	18595939	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4575	18595940	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
4576	18595941	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4577	18595942	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4578	18595943	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4579	18595944	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
4580	18595950	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4581	18595951	XXX	2020-02-20 15:26:01	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4582	18595952	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4583	18595953	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2009
4584	18595954	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4585	18595955	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4586	18595956	XXX	2020-02-13 11:26:48	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
4587	18595957	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4588	18595958	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4589	18595959	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
4590	18595960	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.
4591	18595963	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4592	18595964	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
4593	18595965	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4594	18595966	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
4595	18595967	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4596	18595968	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4597	18595969	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4598	18595970	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4599	18595971	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4600	18595973	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
4601	18595974	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4602	18595975	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4603	18595976	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4604	18595977	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
4605	18595980	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4606	18595981	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
4607	18595982	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
4608	18595983	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4609	18595984	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4610	18595985	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
4611	18595986	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
4612	18595987	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Closing / Title	Missing Document: Security Instrument - Subject Lien not provided
4613	18595988	XXX	2020-02-28 08:33:33	Compliance	Loan Package Documentation	Closing / Title	Missing Document: Note - Subject Lien not provided
4614	18595989	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4615	18595990	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4616	18595991	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4617	18595992	XXX	2020-02-28 08:33:33	Compliance	Compliance	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
4618	18595993	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4619	18595999	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4620	18596000	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4621	18596001	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4622	18596002	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $124,529.72 is underdisclosed from calculated Finance Charge of $124,654.54 in the amount of $124.82.	Under disclosure is fee related.  TIL Itemization did not disclose the Settlement/Closing/Escrow fee of $125 as a prepaid finance charge.
4623	18596003	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
4624	18596007	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4625	18596008	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4626	18596009	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4627	18596010	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	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
4628	18596022	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4629	18596023	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4630	18596024	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4631	18596025	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4632	18596026	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4633	18596027	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4634	18596028	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4635	18596034	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4636	18596035	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
4637	18596036	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4638	18596037	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4639	18596038	XXX	2020-02-20 15:26:01	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4640	18596039	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4641	18596040	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4642	18596041	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4643	18596042	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Closing / Title	Missing Document: Security Instrument - Subject Lien not provided
4644	18596043	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2008 used as disbursement date for compliance testing.
4645	18596044	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4646	18596045	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4647	18596046	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4648	18596047	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
4649	18596048	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4650	18596049	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4651	18596050	XXX	2020-03-18 11:06:32	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
4652	18596058	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4653	18596059	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
4654	18596060	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4655	18596061	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4656	18596062	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4657	18596063	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4658	18596065	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4659	18596066	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
4660	18596075	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4661	18596076	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4662	18596077	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4663	18596078	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4664	18596079	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	New York Prepayment Penalty	New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months.  Loan with an interest rate of 8.30000% contracts for a prepay term of 24 months, which exceeds max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.
4665	18596080	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
4666	18596081	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4667	18596086	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4668	18596087	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $59,296.77 is underdisclosed from calculated Finance Charge of $59,610.70 in the amount of $313.93.	TIL itemization did not disclose the $314 application fee as a prepaid finance charge.
4669	18596088	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
4670	18596089	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
4671	18596090	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4672	18596091	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4673	18596092	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4674	18596094	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
4675	18596095	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $253,678.50 is underdisclosed from calculated Finance Charge of $253,851.18 in the amount of $172.68.	Unable to determine under disclosure due to Itemization of Amount Financed
4676	18596105	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4677	18596110	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4678	18596117	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
4679	18596118	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.
4680	18596119	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4681	18596120	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4682	18596129	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4683	18596130	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
4684	18596131	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $497,427.03 is underdisclosed from calculated Finance Charge of $497,491.93 in the amount of $64.90.	TIL itemization did not disclose a Document signing Fee $250 and Service Charge of $75 as prepaid finance charges.  Also, TIL Itemization erroneously disclosed an Underwriting Fee of $245 and a DU/LP Fee of $15 as prepaid finance charges.
4685	18596132	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $328,543.92 is underdisclosed from calculated Finance Charge of $329,432.71 in the amount of $888.79.	The Lenders TIL reflects the MI premium falling off after 180 months, however, the audited TIL reflects MI premium falling off after 206 months.
4686	18596133	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4687	18596134	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4688	18596135	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4689	18596136	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
4690	18596137	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4691	18596138	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4692	18596139	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4693	18596140	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4694	18596141	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
4695	18596142	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4696	18596146	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4697	18596147	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4698	18596148	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
4699	18596149	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4700	18596150	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4701	18596151	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4702	18596152	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4703	18596153	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.
4704	18596158	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4705	18596159	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
4706	18596160	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
4707	18596167	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4708	18596168	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4709	18596169	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4710	18596170	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4711	18596171	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $340,465.55 is underdisclosed from calculated Finance Charge of $340,575.92 in the amount of $110.37.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
4712	18596172	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4713	18596173	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4714	18596174	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4715	18596175	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4716	18596176	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4717	18596181	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4718	18596182	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
4719	18596183	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice)	Virginia Mortgage Lender and Broker Act:  Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.
4720	18596187	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
4721	18596188	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $70,646.37 is underdisclosed from calculated Finance Charge of $70,839.87 in the amount of $193.50.	TIL Itemization only disclosed origination charges in the amount of $2223.45, however, final HUD reflects $2471.95
4722	18596197	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4723	18596198	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
4724	18596199	XXX	2020-02-20 15:26:01	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4725	18596200	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4726	18596201	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $109,085.37 is underdisclosed from calculated Finance Charge of $109,160.37 in the amount of $75.00.	Unable to determine under disclosure due to missing itemization of amount financed.
4727	18596206	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4728	18596207	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4729	18596208	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4730	18596209	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4731	18596210	XXX	2020-03-26 14:10:22	Compliance	Compliance	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 0 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.
4732	18596214	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4733	18596225	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
4734	18596215	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4735	18596216	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
4736	18596217	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4737	18596218	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4738	18596219	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4739	18596220	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4740	18596221	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4741	18596222	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4742	18596223	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4743	18596224	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4744	18596231	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4745	18596232	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4746	18596233	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4747	18596234	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4748	18596235	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4749	18596236	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
4750	18596237	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4751	18596238	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
4752	18596240	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4753	18596241	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4754	18596242	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4755	18596243	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4756	18596244	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4757	18596245	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4758	18596246	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4759	18596247	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4760	18596248	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
4761	18596253	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4762	18596254	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4763	18596255	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4764	18596256	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4765	18596257	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4766	18596258	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4767	18596259	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4768	18596273	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4769	18596274	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4770	18596275	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4771	18596277	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4772	18596278	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
4773	18596279	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4774	18596280	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4775	18596281	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4776	18596282	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
4777	18596295	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4778	18596296	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4779	18596297	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4780	18596298	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
4781	18596299	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4782	18596300	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4783	18596301	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4784	18596303	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4785	18596304	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4786	18596305	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4787	18596306	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4788	18596307	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4789	18596308	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
4790	18596309	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4791	18596310	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4792	18596312	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4793	18596313	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
4794	18596314	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4795	18596315	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4796	18596316	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4797	18596317	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4798	18596318	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4799	18596319	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4800	18596320	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4801	18596321	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4802	18596324	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
4803	18596325	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4804	18596326	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $72,959.08 is underdisclosed from calculated Finance Charge of $74,878.10 in the amount of $1,919.02.	Unable to determine cause of under-disclosure due to missing itemization of amount financed.
4805	18596327	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TIL APR Tolerance Irregular Transaction	Truth In Lending Act:  Final TIL APR of 7.10700% is underdisclosed from calculated APR of 7.48718% outside of 0.125% tolerance.
4806	18596328	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4807	18596329	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4808	18596330	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4809	18596331	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4810	18596332	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4811	18596333	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2007
4812	18596336	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4813	18596338	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4814	18596339	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4815	18596340	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4816	18596341	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4817	18596342	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4818	18596343	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4819	18596344	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4820	18596345	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4821	18596346	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
4822	18596347	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4823	18596348	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $349,625.32 is underdisclosed from calculated Finance Charge of $349,838.97 in the amount of $213.65.	TIL Itemization did not disclose the warehouse fee of $200 or the flood cert fee of $13.65 as prepaid finance charges.
4824	18596350	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4825	18596351	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
4826	18596352	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4827	18596357	XXX	2020-03-18 11:06:32	Compliance	Compliance	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
4828	18596358	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $465,768.35 is underdisclosed from calculated Finance Charge of $465,808.22 in the amount of $39.87.	Unable to determine under disclosure due to missing itemization of amount financed.
4829	18596359	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4830	18596360	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Ability to Repay not Verified)	Ohio Consumer Sales Practices Act:  File does not contain evidence that analysis of borrower’s ability to repay was performed based on verified income, obligations, assets, and/or employment.
4831	18596361	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4832	18596366	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
4833	18596367	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4834	18596368	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
4835	18596370	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4836	18596371	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2008
4837	18596372	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4838	18596373	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4839	18596374	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4840	18596375	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4841	18596376	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4842	18596377	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4843	18596378	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4844	18596379	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4845	18596380	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4846	18596381	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4847	18596382	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4848	18596383	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4849	18596384	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
4850	18596385	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4851	18596386	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4852	18596387	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4853	18596388	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
4854	18596389	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4855	18596390	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4856	18596391	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4857	18596392	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4858	18596393	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4859	18596394	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4860	18596395	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
4861	18596396	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	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.
4862	18596397	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4863	18596398	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4864	18596399	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
4865	18596400	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
4866	18596401	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
4867	18596402	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
4868	18596403	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $470,066.44 is underdisclosed from calculated Finance Charge of $470,131.18 in the amount of $64.74.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
4869	18596406	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4870	18596407	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4871	18596408	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4872	18596409	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4873	18596410	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $234,109.87 is underdisclosed from calculated Finance Charge of $234,180.38 in the amount of $70.51.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
4874	18596411	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4875	18596412	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4876	18596413	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4877	18596414	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4878	18596415	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4879	18596416	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
4880	18596417	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4881	18596418	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4882	18596419	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4883	18596420	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4884	18596421	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
4885	18596422	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4886	18596423	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4887	18596424	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
4888	18596425	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4889	18596430	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4890	18596431	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
4891	18596432	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4892	18596433	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
4893	18596434	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4894	18596435	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4895	18596436	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4896	18596437	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4897	18596438	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4898	18596439	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4899	18596440	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4900	18596441	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4901	18596443	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4902	18596444	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4903	18596445	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
4904	18596446	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4905	18596447	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4906	18596448	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4907	18596449	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4908	18596450	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4909	18596451	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4910	18596452	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4911	18596453	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4912	18596454	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
4913	18596455	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4914	18596456	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4915	18596457	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4916	18596458	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4917	18596459	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4918	18596460	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4919	18596461	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4920	18596462	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4921	18596463	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4922	18596464	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
4923	18596469	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4924	18596470	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4925	18596471	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4926	18596472	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4927	18596473	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4928	18596474	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4929	18596475	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
4930	18596476	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4931	18596477	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4932	18596478	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
4933	18596479	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4934	18596480	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4935	18596481	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4936	18596482	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4937	18596483	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4938	18596484	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
4939	18596496	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4940	18596497	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4941	18596498	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
4942	18596499	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4943	18596500	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4944	18596501	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
4945	18596502	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4946	18596503	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4947	18596504	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4948	18596505	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4949	18596506	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4950	18596507	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4951	18596508	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
4952	18596509	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Ohio CSPA Tangible Net Benefit Test	Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.
4953	18596510	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4954	18596511	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4955	18596512	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4956	18596513	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4957	18596514	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
4958	18596515	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4959	18596516	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4960	18596517	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4961	18596518	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4962	18596519	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
4963	18596520	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4964	18596521	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4965	18596522	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4966	18596523	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4967	18596524	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4968	18596525	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4969	18596526	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4970	18596527	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
4971	18596528	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
4972	18596529	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
4973	18596534	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4974	18596535	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4975	18596536	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4976	18596537	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely)	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
4977	18596538	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
4978	18596539	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4979	18596541	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
4980	18596544	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
4981	18596545	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
4982	18596546	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
4983	18596547	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4984	18596548	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
4985	18596549	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
4986	18596550	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
4987	18596551	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
4988	18596552	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
4989	18596561	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4990	18596562	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $279,260.90 is underdisclosed from calculated Finance Charge of $279,566.41 in the amount of $305.51.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
4991	18596565	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4992	18596567	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
4993	18596568	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $175,051.76 is underdisclosed from calculated Finance Charge of $175,426.93 in the amount of $375.17.	Fees are under disclosed $375.17.  Itemization does not include the following fees which were charged to the borrower on the HUD:  Closing Protection Letter $25.00, Recording Service Fee $325.00, and Wire/Funding/Disbursement Fee $25.00.
4994	18596570	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
4995	18596571	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
4996	18596572	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
4997	18596573	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
4998	18596574	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
4999	18596575	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5000	18596576	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5001	18596577	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5002	18596578	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5003	18596597	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5004	18596598	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5005	18596599	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5006	18596600	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5007	18596601	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5008	18596602	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5009	18596603	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5010	18596604	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5011	18596605	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $151,349.03 is underdisclosed from calculated Finance Charge of $151,584.28 in the amount of $235.25.	Unable to determine under disclosure due to missing itemization of amount financed.
5012	18596610	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5013	18596611	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5014	18596612	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5015	18596613	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5016	18596614	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5017	18596615	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5018	18596616	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5019	18596617	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
5020	18596618	XXX	2020-03-29 17:20:39	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5021	18596620	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5022	18596623	XXX	2020-03-26 14:10:22	Compliance	Compliance	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).
5023	18596624	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5024	18596625	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	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.
5025	18596626	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
5026	18596627	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5027	18596628	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5028	18596634	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5029	18596635	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5030	18596638	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5031	18596639	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5032	18596640	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5033	18596641	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5034	18596642	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5035	18596643	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5036	18596644	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5037	18596645	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
5038	18596646	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5039	18596647	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5040	18596648	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5041	18596649	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5042	18596650	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5043	18596651	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5044	18596652	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5045	18596653	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5046	18596654	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5047	18596655	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $243,975.58 is underdisclosed from calculated Finance Charge of $244,082.22 in the amount of $106.64.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5048	18596656	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5049	18596657	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5050	18596658	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5051	18596659	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5052	18596660	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5053	18596661	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5054	18596662	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
5055	18596663	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5056	18596664	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5057	18596665	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5058	18596666	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5059	18596667	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5060	18596668	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5061	18596675	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2004
5062	18596679	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5063	18596680	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $387,079.30 is underdisclosed from calculated Finance Charge of $387,197.11 in the amount of $117.81.	TIL Itemization did not disclose the $90 tax service fee or the $25 courier as prepaid finance charges.
5064	18596681	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5065	18596682	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5066	18596683	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5067	18596700	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5068	18596704	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5069	18596705	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5070	18596706	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5071	18596707	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5072	18596708	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5073	18596709	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5074	18596710	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
5075	18596711	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Ohio CSPA Tangible Net Benefit Test	Ohio Consumer Sales Practices Act: Unable to determine if mortgage loan refinanced has a tangible net benefit to the borrower due to missing prior loan information.
5076	18596712	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5077	18596713	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5078	18596714	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
5079	18596715	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5080	18596716	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5081	18596717	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5082	18596720	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5083	18596721	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5084	18596726	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5085	18596727	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5086	18596728	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5087	18596729	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5088	18596730	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5089	18596732	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5090	18596733	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
5091	18596734	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5092	18596735	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5093	18596736	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5094	18596737	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5095	18596739	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5096	18596741	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5097	18596742	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $138,903.01 is underdisclosed from calculated Finance Charge of $139,713.39 in the amount of $810.38.	TIL itemization did not disclose a wire fee of $10, an attorney fee of $750, and an assignment recording fee of $50.50 as prepaid finance charge.
5098	18596743	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5099	18596749	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5100	18596761	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5101	18596760	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5102	18596762	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5103	18596763	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5104	18596765	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5105	18596766	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $308,539.24 is underdisclosed from calculated Finance Charge of $308,669.10 in the amount of $129.86.	Unable to determine underdisclosure due to no itemization in the file.
5106	18596767	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2008
5107	18596768	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5108	18596769	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5109	18596771	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5110	18596772	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5111	18596773	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5112	18596778	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5113	18596779	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5114	18596780	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5115	18596781	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5116	18596787	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5117	18596788	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
5118	18596789	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5119	18596790	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5120	18596791	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
5121	18596792	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5122	18596793	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5123	18596794	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5124	18596795	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5125	18596802	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5126	18596804	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5127	18596805	XXX	2020-03-18 11:06:32	Compliance	Compliance	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
5128	18596807	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5129	18596808	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5130	18596809	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5131	18596810	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5132	18596811	XXX	2020-03-18 11:06:32	Compliance	Compliance	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).
5133	18596812	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5134	18596813	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5135	18596815	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5136	18596816	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5137	18596817	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5138	18596818	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5139	18596819	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5140	18596820	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5141	18596821	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
5142	18596822	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5143	18596823	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5144	18596827	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5145	18596828	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5146	18596829	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5147	18596830	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5148	18596831	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5149	18596832	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5150	18596833	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5151	18596834	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5152	18596835	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5153	18596836	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
5154	18596837	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5155	18596838	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5156	18596839	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5157	18596863	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	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.
5158	18596864	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5159	18596865	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5160	18596866	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
5161	18596867	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
5162	18596868	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5163	18596869	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5164	18596878	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5165	18596879	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5166	18596880	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5167	18596881	XXX	2020-03-22 18:15:02	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5168	18596882	XXX	2020-03-22 18:15:02	Compliance	Compliance	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.
5169	18596883	XXX	2020-03-22 18:15:02	Compliance	Compliance	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.
5170	18596884	XXX	2020-03-22 18:15:02	Compliance	Compliance	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.
5171	18596885	XXX	2020-03-22 18:15:02	Compliance	Compliance	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.
5172	18596886	XXX	2020-03-22 18:15:02	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5173	18596887	XXX	2020-03-22 18:15:02	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5174	18596888	XXX	2020-03-22 18:15:02	Compliance	Property - Appraisal	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.
5175	18596889	XXX	2020-03-22 18:15:02	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5176	18596890	XXX	2020-03-22 18:15:02	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5177	18596892	XXX	2020-03-22 18:15:02	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5178	18596893	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2007
5179	18596894	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
5180	18596895	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5181	18596896	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5182	18596897	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Georgia Home Loan (Arbitration Clause)	Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause.
5183	18596902	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5184	18596903	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
5185	18596904	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5186	18596905	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5187	18596906	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5188	18596907	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5189	18596908	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5190	18596909	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5191	18596910	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5192	18596916	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5193	18596925	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5194	18596926	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5195	18596927	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5196	18596928	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5197	18596929	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5198	18596930	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5199	18596931	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5200	18596934	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5201	18596949	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5202	18596950	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5203	18596951	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
5204	18596952	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5205	18596953	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5206	18596954	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $153,280.41 is underdisclosed from calculated Finance Charge of $153,315.45 in the amount of $35.04.	TIL Itemization did not disclose $30.00 Wire Fee as a Prepaid Finance Charge.
5207	18596955	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5208	18596956	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5209	18596964	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $402,393.74 is underdisclosed from calculated Finance Charge of $402,563.79 in the amount of $170.05.	Unable to determine under disclosure as file is missing the Itemization of Amount Financed.
5210	18596965	XXX	2020-03-20 10:27:40	Compliance	Compliance	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).
5211	18596966	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5212	18596967	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5213	18596968	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5214	18596969	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5215	18596970	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5216	18596971	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5217	18596976	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5218	18596982	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5219	18596983	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5220	18596984	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5221	18596985	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5222	18596986	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5223	18596981	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5224	18596987	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5225	18596988	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
5226	18596989	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5227	18596990	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5228	18596991	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5229	18596992	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5230	18596993	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5231	18596994	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5232	18596995	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5233	18596996	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5234	18596997	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5235	18596998	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5236	18596999	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5237	18597000	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5238	18597001	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5239	18597002	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5240	18597003	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5241	18597004	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5242	18597006	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5243	18597007	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
5244	18597008	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5245	18597009	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5246	18597010	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5247	18597011	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5248	18597012	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5249	18597013	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
5250	18597014	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5251	18597015	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5252	18597016	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5253	18597017	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5254	18597018	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5255	18597019	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
5256	18597020	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5257	18597024	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5258	18597031	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5259	18597032	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5260	18597033	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5261	18597036	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5262	18597037	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5263	18597038	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5264	18597039	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5265	18597040	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5266	18597041	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5267	18597042	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5268	18597043	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5269	18597044	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $215,283.25 is underdisclosed from calculated Finance Charge of $215,530.77 in the amount of $247.52.	Unable to determine under disclosure, due to missing itemization of amount financed.
5270	18597045	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5271	18597046	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5272	18597047	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $277,396.35 is underdisclosed from calculated Finance Charge of $277,839.80 in the amount of $443.45.	Under disclosure is due to payment stream based on MI calculation.  Adjustment in payment of MI to .20% per final TIL is at 120 months for a duration of 60 months.  Calculation shows duration of MI payment at .20% is for 79 months, accounting for a difference.
5273	18597048	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5274	18597049	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
5275	18597050	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5276	18597051	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5277	18597052	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
5278	18597053	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5279	18597054	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5280	18597055	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5281	18597056	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5282	18597057	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5283	18597058	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5284	18597059	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5285	18597060	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5286	18597061	XXX	2020-03-29 17:17:28	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5287	18597062	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5288	18597063	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $137,492.28 is underdisclosed from calculated Finance Charge of $138,438.27 in the amount of $945.99.	Unable to determine under disclosure due to missing itemization of amount financed.
5289	18597064	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Illinois Late Charge Percent Testing	Illinois Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
5290	18597065	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5291	18597066	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5292	18597067	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Illinois Prepayment Penalty	Illinois Prepayment Penalty (Illinois Interest Act): A prepayment penalty is not permissible on a loan with an interest rate of greater than 8%. Loan contracts for an interest rate of 14.95000%.  Prepay language states prepay will not exceed maximum permitted by applicable law.
5293	18597068	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
5294	18597069	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5295	18597070	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5296	18597071	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5297	18597072	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5298	18597073	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5299	18597074	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5300	18597075	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5301	18597076	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5302	18597077	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5303	18597078	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5304	18597079	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5305	18597080	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5306	18597081	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5307	18597082	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5308	18597083	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5309	18597084	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
5310	18597086	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5311	18597087	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5312	18597088	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5313	18597089	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5314	18597093	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5315	18597094	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5316	18597095	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5317	18597096	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
5318	18597097	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5319	18597098	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5320	18597107	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5321	18597108	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5322	18597109	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5323	18597110	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5324	18597111	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
5325	18597112	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5326	18597113	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5327	18597114	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5328	18597115	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5329	18597116	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5330	18597117	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
5331	18597118	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5332	18597119	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5333	18597120	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5334	18597121	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5335	18597122	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5336	18597123	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
5337	18597124	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5338	18597125	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5339	18597126	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5340	18597127	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5341	18597128	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $204,778.31 is underdisclosed from calculated Finance Charge of $204,909.28 in the amount of $130.97.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5342	18597129	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5343	18597132	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Valuation Error: APN Number not provided.	Valuation Type: Appraisal / Valuation Report Date: XX/XX/2007
5344	18597133	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5345	18597134	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5346	18597135	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5347	18597136	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5348	18597137	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5349	18597138	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5350	18597139	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Delaware Late Charge Percent Testing	Delaware Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
5351	18597140	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5352	18597141	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5353	18597142	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Closing / Title	The Note has not been signed by the borrower(s).
5354	18597143	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Closing / Title	Security Instrument is not signed by borrower(s).
5355	18597144	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5356	18597145	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5357	18597146	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5358	18597147	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5359	18597148	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5360	18597149	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5361	18597151	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5362	18597152	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5363	18597154	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5364	18597155	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5365	18597156	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5366	18597157	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5367	18597159	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5368	18597160	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5369	18597161	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5370	18597162	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5371	18597163	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5372	18597164	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5373	18597165	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5374	18597166	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5375	18597167	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5376	18597168	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5377	18597169	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5378	18597170	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5379	18597171	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5380	18597172	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
5381	18597173	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5382	18597180	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5383	18597181	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5384	18597182	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5385	18597183	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5386	18597184	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5387	18597185	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5388	18597188	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5389	18597193	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5390	18597204	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5391	18597205	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5392	18597206	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5393	18597207	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided Timely)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure at the time of closing.
5394	18597208	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Ohio Prepayment Penalty	Ohio Prepayment Penalty: Maximum calculated prepay of $XXXX.XX exceeds the state maximum of 1% of the original balance ($2,199.00).  Prepay language states prepay will not exceed maximum permitted by applicable law.
5395	18597209	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5396	18597210	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5397	18597211	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5398	18597212	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely)	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
5399	18597213	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5400	18597214	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5401	18597215	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5402	18597216	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5403	18597217	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $149,923.31 is underdisclosed from calculated Finance Charge of $149,967.27 in the amount of $43.96.	Unable to determine under disclosure due to missing the TIL itemization of amount financed.
5404	18597218	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5405	18597219	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5406	18597220	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5407	18597221	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5408	18597222	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5409	18597223	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5410	18597224	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5411	18597225	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5412	18597226	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5413	18597227	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5414	18597228	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5415	18597229	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5416	18597230	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5417	18597231	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5418	18597232	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5419	18597235	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5420	18597236	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5421	18597237	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5422	18597238	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $62,888.14 is underdisclosed from calculated Finance Charge of $62,928.21 in the amount of $40.07.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5423	18597239	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5424	18597240	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5425	18597241	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5426	18597242	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5427	18597243	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5428	18597244	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5429	18597245	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5430	18597246	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5431	18597247	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5432	18597248	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5433	18597249	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5434	18597250	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5435	18597251	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5436	18597252	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5437	18597254	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5438	18597260	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5439	18597261	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $144,260.74 is underdisclosed from calculated Finance Charge of $144,398.52 in the amount of $137.78.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5440	18597266	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5441	18597267	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5442	18597268	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5443	18597269	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5444	18597273	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5445	18597274	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
5446	18597275	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5447	18597277	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5448	18597278	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5449	18597279	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5450	18597280	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5451	18597281	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5452	18597282	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5453	18597283	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5454	18597284	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5455	18597285	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5456	18597286	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5457	18597287	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
5458	18597288	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5459	18597289	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5460	18597290	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5461	18597291	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5462	18597292	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5463	18597293	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5464	18597295	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $337,368.88 is underdisclosed from calculated Finance Charge of $337,907.46 in the amount of $538.58.	Unable to determine under disclosure due to missing itemization of amount financed.
5465	18597296	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5466	18597297	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5467	18597298	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5468	18597299	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5469	18597300	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
5470	18597301	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
5471	18597302	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $389,153.46 is underdisclosed from calculated Finance Charge of $398,805.08 in the amount of $9,651.62.	Approval indicates the Index used was 3.478% The closest  index available in the look back period is 3.61833%.
5472	18597304	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5473	18597305	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5474	18597306	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5475	18597307	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5476	18597308	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $248,809.93 is underdisclosed from calculated Finance Charge of $249,908.01 in the amount of $1,098.08.	Unable to verify due to missing itemization.
5477	18597312	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5478	18597313	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5479	18597314	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5480	18597315	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5481	18597316	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5482	18597317	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5483	18597318	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5484	18597319	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5485	18597320	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $277,669.37 is underdisclosed from calculated Finance Charge of $281,429.40 in the amount of $3,760.03.	Unable to determine under disclosure, due to missing itemization of amount financed.
5486	18597321	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5487	18597322	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5488	18597325	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5489	18597326	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $136,518.18 is underdisclosed from calculated Finance Charge of $136,632.96 in the amount of $114.78.	TIL Itemization did not disclose the service charges fee of $65 and the wire fee of $100 as prepaid finance charges.
5490	18597327	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5491	18597328	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5492	18597335	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5493	18597342	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5494	18597343	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
5495	18597344	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5496	18597345	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5497	18597346	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5498	18597347	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5499	18597348	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5500	18597352	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5501	18597353	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5502	18597354	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5503	18597356	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5504	18597357	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5505	18597358	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5506	18597359	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5507	18597360	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5508	18597361	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5509	18597362	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5510	18597363	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5511	18597364	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5512	18597365	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5513	18597369	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5514	18597370	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5515	18597371	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5516	18597372	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5517	18597373	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5518	18597374	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5519	18597375	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5520	18597376	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5521	18597377	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5522	18597378	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
5523	18597379	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5524	18597380	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5525	18597381	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
5526	18597382	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5527	18597383	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5528	18597384	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
5529	18597385	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5530	18597386	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5531	18597387	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5532	18597388	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5533	18597389	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5534	18597390	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5535	18597391	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5536	18597392	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5537	18597393	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5538	18597394	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5539	18597395	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5540	18597396	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
5541	18597397	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5542	18597398	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5543	18597402	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5544	18597403	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5545	18597404	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5546	18597405	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5547	18597406	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5548	18597407	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5549	18597408	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5550	18597409	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5551	18597410	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5552	18597412	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5553	18597413	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5554	18597414	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
5555	18597416	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5556	18597417	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5557	18597419	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5558	18597420	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5559	18597421	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	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.
5560	18597422	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
5561	18597423	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
5562	18597424	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5563	18597425	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5564	18597429	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5565	18597438	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5566	18597439	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5567	18597441	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5568	18597442	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5569	18597443	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5570	18597447	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5571	18597444	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5572	18597445	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5573	18597446	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5574	18597449	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5575	18597450	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5576	18597457	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5577	18597459	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5578	18597460	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5579	18597461	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5580	18597462	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $197,694.30 is underdisclosed from calculated Finance Charge of $197,944.19 in the amount of $249.89.	Unable to determine under disclosure due to missing itemization of Amount Financed.
5581	18597463	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5582	18597464	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5583	18597465	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5584	18597466	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5585	18597467	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5586	18597468	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5587	18597469	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5588	18597470	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5589	18597471	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5590	18597472	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5591	18597473	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
5592	18597474	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5593	18597475	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $248,811.95 is underdisclosed from calculated Finance Charge of $248,888.66 in the amount of $76.71.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5594	18597476	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
5595	18597477	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5596	18597478	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5597	18597479	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5598	18597480	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5599	18597481	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5600	18597490	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5601	18597491	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5602	18597492	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5603	18597493	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5604	18597495	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5605	18597497	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
5606	18597498	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $183,911.53 is underdisclosed from calculated Finance Charge of $184,930.30 in the amount of $1,018.77.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5607	18597499	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5608	18597500	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5609	18597501	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
5610	18597502	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
5611	18597503	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5612	18597504	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5613	18597505	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
5614	18597506	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5615	18597507	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
5616	18597508	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	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.
5617	18597509	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
5618	18597510	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
5619	18597511	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5620	18597512	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5621	18597513	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
5622	18597516	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5623	18597517	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5624	18597518	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $138,776.30 is underdisclosed from calculated Finance Charge of $139,260.76 in the amount of $484.46.	Unable to determine reason for under disclosure due to missing itemization of amount financed.
5625	18597522	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5626	18597523	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5627	18597526	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5628	18597527	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5629	18597528	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $65,557.97 is underdisclosed from calculated Finance Charge of $65,984.22 in the amount of $426.25.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5630	18597531	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5631	18597532	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5632	18597533	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5633	18597534	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5634	18597542	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5635	18597543	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5636	18597544	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
5637	18597545	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5638	18597546	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5639	18597547	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5640	18597548	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5641	18597549	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5642	18597550	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5643	18597551	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5644	18597569	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5645	18597570	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
5646	18597571	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5647	18597574	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5648	18597575	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
5649	18597576	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2007 used as disbursement date for compliance testing.
5650	18597577	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5651	18597578	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5652	18597579	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5653	18597580	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5654	18597581	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5655	18597591	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5656	18597592	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5657	18597593	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5658	18597596	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
5659	18597597	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5660	18597598	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5661	18597599	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5662	18597600	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5663	18597605	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	New York Late Charge Percent Testing	New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.
5664	18597608	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5665	18597609	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5666	18597611	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5667	18597612	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Virginia Prepayment Penalty	Virginia Prepayment Penalty: Maximum calculated prepay of $6,380.00 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $4,400.00. Prepay language states prepay will not exceed maximum permitted by applicable law.
5668	18597613	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5669	18597614	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5670	18597615	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5671	18597616	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5672	18597617	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5673	18597618	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $224,833.60 is underdisclosed from calculated Finance Charge of $225,422.00 in the amount of $588.40.	Under disclosure is due to the incorrect payment streams disclosed on the final TIL.  The monthly MI premium is not accurately disclosed. Unable to determine fee portion of under disclosure -TIL Itemization does not itemize prepaid finance charges.  Total prepaid finance charges disclosed was $165.77 and audit calculates $660.72.
5674	18597619	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5675	18597620	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5676	18597626	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5677	18597627	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5678	18597628	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
5679	18597629	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5680	18597630	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5681	18597631	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
5682	18597643	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $289,838.68 is underdisclosed from calculated Finance Charge of $289,912.68 in the amount of $74.00.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5683	18597645	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5684	18597646	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5685	18597654	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
5686	18597655	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	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.
5687	18597658	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Closing / Title	Missing Document: Security Instrument - Subject Lien not provided
5688	18597659	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5689	18597660	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5690	18597661	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5691	18597662	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5692	18597663	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5693	18597666	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5694	18597667	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5695	18597668	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5696	18597669	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5697	18597670	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5698	18597671	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5699	18597672	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
5700	18597673	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5701	18597674	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5702	18597675	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5703	18597676	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5704	18597677	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5705	18597678	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5706	18597679	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5707	18597680	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5708	18597681	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5709	18597682	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5710	18597683	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $297,333.33 is underdisclosed from calculated Finance Charge of $297,512.68 in the amount of $179.35.	Under disclosure due to HUD reflects Attorney fee of $500 and itemization reflects Settlement fee of $300.
5711	18597684	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5712	18597685	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5713	18597686	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5714	18597688	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5715	18597689	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5716	18597690	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5717	18597691	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5718	18597692	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5719	18597693	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
5720	18597694	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5721	18597695	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5722	18597696	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5723	18597697	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
5724	18597698	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5725	18597699	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5726	18597700	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5727	18597701	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified)	Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.
5728	18597702	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement)	Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.
5729	18597703	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5730	18597704	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5731	18597705	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5732	18597706	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5733	18597707	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5734	18597708	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
5735	18597709	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5736	18597710	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5737	18597721	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5738	18597722	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5739	18597723	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5740	18597724	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $181,276.36 is underdisclosed from calculated Finance Charge of $181,958.98 in the amount of $682.62.	TIL itemization did not reflect a Settlement Fee in the amount of $675 as prepaid finance charges.
5741	18597725	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5742	18597726	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5743	18597727	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5744	18597729	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5745	18597739	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5746	18597732	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5747	18597733	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5748	18597734	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5749	18597735	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5750	18597736	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
5751	18597737	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5752	18597738	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5753	18597741	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5754	18597742	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $159,391.80 is underdisclosed from calculated Finance Charge of $159,548.95 in the amount of $157.15.	Unable to determine the reason for the under disclosure due to missing the itemization of amount financed.
5755	18597743	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5756	18597744	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5757	18597745	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5758	18597746	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5759	18597748	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5760	18597749	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5761	18597753	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5762	18597754	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5763	18597755	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $374,972.31 is underdisclosed from calculated Finance Charge of $375,032.31 in the amount of $60.00.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5764	18597774	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5765	18597775	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	New York Prepayment Penalty	New York Prepayment Penalty: Maximum prepay term allowed on a loan with an interest rate greater than 6% is 12 months.  Loan with an interest rate of 6.37500% contracts for a prepay term of 36 months, which exceeds max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.
5766	18597776	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5767	18597761	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5768	18597762	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5769	18597763	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
5770	18597764	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5771	18597765	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5772	18597766	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5773	18597767	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5774	18597768	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
5775	18597769	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5776	18597770	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5777	18597771	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
5778	18597772	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
5779	18597773	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5780	18597781	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5781	18597782	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5782	18597789	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5783	18597790	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5784	18597791	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5785	18597801	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5786	18597802	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5787	18597803	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5788	18597805	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $253,825.95 is underdisclosed from calculated Finance Charge of $253,860.97 in the amount of $35.02.	Unable to determine under disclosure due to missing itemization of amount financed.
5789	18597806	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	Missing Document: HUD-1 Addendum not provided
5790	18597804	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $380,273.70 is underdisclosed from calculated Finance Charge of $382,292.83 in the amount of $2,019.13.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5791	18597807	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5792	18597808	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5793	18597809	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5794	18597810	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5795	18597811	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5796	18597812	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5797	18597813	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5798	18597814	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5799	18597815	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
5800	18597819	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5801	18597820	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5802	18597821	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5803	18597822	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5804	18597826	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5805	18597827	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5806	18597828	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5807	18597842	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5808	18597846	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5809	18597847	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5810	18597860	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5811	18597861	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5812	18597862	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5813	18597863	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5814	18597864	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5815	18597865	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5816	18597866	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5817	18597867	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5818	18597868	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5819	18597869	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5820	18597871	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5821	18597872	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5822	18597873	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5823	18597874	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5824	18597875	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5825	18597876	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5826	18597877	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
5827	18597878	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5828	18597879	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5829	18597880	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5830	18597881	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $116,521.18 is underdisclosed from calculated Finance Charge of $116,637.26 in the amount of $116.08.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5831	18597887	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5832	18597888	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
5833	18597889	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5834	18597890	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5835	18597894	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
5836	18597896	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
5837	18597897	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5838	18597898	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
5839	18597899	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5840	18597905	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5841	18597906	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5842	18597907	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5843	18597908	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5844	18597909	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5845	18597910	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5846	18597911	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2007
5847	18597914	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5848	18597915	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5849	18597916	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TIL APR Tolerance Irregular Transaction	Truth In Lending Act:  Final TIL APR of 6.57300% is underdisclosed from calculated APR of 7.27225% outside of 0.125% tolerance.
5850	18597917	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $307,006.71 is underdisclosed from calculated Finance Charge of $330,420.22 in the amount of $23,413.51.	TIL PMI payment stream disclosed 120 monthly payments of $1678.18 and 18 monthly payments of $1519.91 and  Actual Calculated TIL PMI payment stream reflects 120 monthly payments of $1869.76 and 28 monthly payments of $1519.90.
5851	18597918	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
5852	18597919	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5853	18597920	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5854	18597924	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $123,977.99 is underdisclosed from calculated Finance Charge of $124,062.45 in the amount of $84.46.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
5855	18597925	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5856	18597926	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $192,725.47 is underdisclosed from calculated Finance Charge of $193,066.49 in the amount of $341.02.	Unable to determine the fee under disclosure due to missing itemization of amount financed.
5857	18597927	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5858	18597928	XXX	2020-03-26 14:10:22	Compliance	Compliance	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)
5859	18597929	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5860	18597933	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5861	18597934	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5862	18597935	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5863	18597936	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5864	18597937	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5865	18597938	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5866	18597939	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5867	18597946	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5868	18597947	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5869	18597944	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5870	18597945	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $229,918.71 is underdisclosed from calculated Finance Charge of $230,046.64 in the amount of $127.93.	Unable to determine under disclosure due to missing Til itemization of amount financed.
5871	18597954	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5872	18597955	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5873	18597956	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5874	18597957	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5875	18597958	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5876	18597959	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5877	18597960	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5878	18597961	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
5879	18597962	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $211,551.05 is underdisclosed from calculated Finance Charge of $212,356.20 in the amount of $805.15.	Unable to determine under disclosure due to missing the TIL itemization of amount financed.
5880	18597967	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5881	18597968	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5882	18597969	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5883	18597972	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5884	18597973	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5885	18597974	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $250,572.78 is underdisclosed from calculated Finance Charge of $251,791.63 in the amount of $1,218.85.	Finance charges are under disclosed $1,092.63.  $509.64 of the under disclosure is due to payment stream caused by MI calculation.  In addition, the following fees were not disclosed on the Itemization:  Settlement/Closing/Escrow Fee $525.00, Title Courier/Messenger Fee $100.00.
5886	18597980	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5887	18597981	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5888	18597982	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5889	18597983	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $107,838.41 is underdisclosed from calculated Finance Charge of $107,888.42 in the amount of $50.01.	Unable to determine cause of underdisclosure as Itemization of Amount Financed is missing.
5890	18597984	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5891	18597985	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5892	18597986	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5893	18597992	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5894	18597993	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5895	18597994	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5896	18597995	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5897	18597996	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5898	18597997	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5899	18597998	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
5900	18598001	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5901	18598002	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5902	18598003	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5903	18598004	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
5904	18598005	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $251,776.04 is underdisclosed from calculated Finance Charge of $252,818.84 in the amount of $1,042.80.	TIL itemization did not disclose a discount loan fee of $930.83 and a tax service fee of $69 as prepaid finance charge
5905	18598006	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5906	18598007	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5907	18598008	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5908	18598009	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5909	18598010	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5910	18598016	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5911	18598017	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	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.
5912	18598018	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5913	18598019	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
5914	18598020	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5915	18598021	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5916	18598022	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5917	18598023	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5918	18598024	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5919	18598025	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5920	18598026	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received
5921	18598027	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 6.74400% is underdisclosed from calculated APR of 7.44120% outside of 0.125% tolerance.
5922	18598028	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $41,238.04 is underdisclosed from calculated Finance Charge of $43,517.19 in the amount of $2,279.15.	There is a $4,000 seller credit on page 1 that cannot be applied as there is no itemization of the fees that credit is intended to cover. The total of closing costs to the borrower which includes non prepaid finance charges as well is only $3,715.70.
5923	18598029	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5924	18598040	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5925	18598041	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5926	18598042	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5927	18598043	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5928	18598044	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
5929	18598045	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
5930	18598046	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
5931	18598047	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5932	18598048	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5933	18598049	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5934	18598050	XXX	2020-03-26 14:10:22	Compliance	Compliance	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).
5935	18598051	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
5936	18598060	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5937	18598061	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5938	18598062	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5939	18598063	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5940	18598064	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5941	18598065	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5942	18598066	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5943	18598067	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5944	18598068	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5945	18598069	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5946	18598070	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5947	18598071	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5948	18598072	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5949	18598073	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5950	18598074	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5951	18598075	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
5952	18598076	XXX	2020-03-20 10:27:40	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
5953	18598077	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5954	18598078	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5955	18598079	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
5956	18598080	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5957	18598081	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5958	18598082	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
5959	18598083	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5960	18598084	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5961	18598085	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5962	18598086	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5963	18598087	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5964	18598088	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5965	18598089	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
5966	18598090	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5967	18598091	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5968	18598092	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2005
5969	18598093	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5970	18598094	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
5971	18598095	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
5972	18598096	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5973	18598097	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5974	18598098	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5975	18598099	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5976	18598100	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5977	18598101	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
5978	18598102	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5979	18598103	XXX	2020-03-11 10:40:07	Compliance	Compliance	Federal Compliance	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.
5980	18598104	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
5981	18598105	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
5982	18598106	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
5983	18598107	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
5984	18598108	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5985	18598109	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5986	18598110	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5987	18598111	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $233,553.54 is underdisclosed from calculated Finance Charge of $233,912.22 in the amount of $358.68.	TIL reflects termination of PMI after 122 months.  Calculated PMI duration is 134 months.
5988	18598112	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
5989	18598113	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5990	18598114	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
5991	18598117	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5992	18598118	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
5993	18598119	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5994	18598120	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
5995	18598121	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
5996	18598122	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
5997	18598123	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	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.
5998	18598124	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
5999	18598125	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6000	18598126	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
6001	18598127	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
6002	18598128	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6003	18598129	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6004	18598130	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
6005	18598131	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6006	18598132	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6007	18598138	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6008	18598139	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6009	18598140	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6010	18598141	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6011	18598148	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6012	18598149	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6013	18598150	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6014	18598151	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6015	18598152	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6016	18598153	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6017	18598154	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6018	18598155	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6019	18598156	XXX	2020-03-26 14:10:22	Compliance	Compliance	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).
6020	18598161	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6021	18598166	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6022	18598167	XXX	2020-03-05 11:35:15	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
6023	18598181	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6024	18598182	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6025	18598183	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6026	18598184	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
6027	18598185	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6028	18598186	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6029	18598187	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6030	18598188	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6031	18598189	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6032	18598197	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6033	18598198	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6034	18598199	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6035	18598200	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
6036	18598201	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6037	18598202	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
6038	18598203	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6039	18598204	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6040	18598205	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6041	18598206	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
6042	18598207	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6043	18598208	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6044	18598209	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $181,788.67 is underdisclosed from calculated Finance Charge of $181,943.72 in the amount of $155.05.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6045	18598211	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6046	18598212	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6047	18598213	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6048	18598214	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6049	18598216	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6050	18598217	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6051	18598218	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6052	18598220	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6053	18598221	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6054	18598222	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6055	18598223	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
6056	18598224	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6057	18598225	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6058	18598226	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
6059	18598227	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6060	18598228	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6061	18598229	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6062	18598230	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6063	18598231	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6064	18598233	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6065	18598234	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6066	18598235	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6067	18598236	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6068	18598237	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6069	18598238	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6070	18598239	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
6071	18598240	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6072	18598241	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6073	18598242	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6074	18598243	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6075	18598244	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6076	18598245	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $78,851.29 is underdisclosed from calculated Finance Charge of $79,350.99 in the amount of $499.70.	TIL itemization did not reflect a Settlement Fee in the amount of $500 as prepaid finance charges.
6077	18598247	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6078	18598261	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6079	18598262	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6080	18598263	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TIL APR Tolerance Irregular Transaction	Truth In Lending Act:  Final TIL APR of 7.62000% is overdisclosed from calculated APR of 7.27635% outside of 0.125% tolerance.
6081	18598264	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $405,873.01 is underdisclosed from calculated Finance Charge of $406,272.98 in the amount of $399.97.	Unable to determine under disclosure due to missing Itemization of Amount Financed
6082	18598248	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6083	18598249	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Closing / Title	Missing Document: Security Instrument - Subject Lien not provided
6084	18598250	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6085	18598251	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6086	18598252	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6087	18598253	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
6088	18598254	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6089	18598255	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6090	18598256	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6091	18598257	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6092	18598258	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6093	18598259	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
6094	18598260	XXX	2020-03-31 19:48:06	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
6095	18598265	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6096	18598266	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6097	18598267	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6098	18598268	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6099	18598269	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6100	18598270	XXX	2020-03-05 11:35:15	Compliance	Compliance	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
6101	18598278	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6102	18598279	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $171,394.98 is underdisclosed from calculated Finance Charge of $171,837.83 in the amount of $442.85.	TIL itemization did not disclose an e-mail fee of $35 and a settlement fee of $410 as prepaid finance charges.
6103	18598280	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6104	18598281	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6105	18598282	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6106	18598285	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6107	18598288	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6108	18598289	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6109	18598297	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6110	18598298	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6111	18598299	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6112	18598300	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6113	18598301	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6114	18598302	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $337,540.84 is underdisclosed from calculated Finance Charge of $337,640.82 in the amount of $99.98.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6115	18598303	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6116	18598304	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6117	18598305	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6118	18598306	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $203,398.27 is underdisclosed from calculated Finance Charge of $203,673.21 in the amount of $274.94.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6119	18598307	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6120	18598308	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6121	18598309	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6122	18598310	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6123	18598315	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6124	18598316	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	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.
6125	18598317	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6126	18598318	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6127	18598319	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6128	18598320	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $116,681.57 is underdisclosed from calculated Finance Charge of $117,199.98 in the amount of $518.41.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6129	18598321	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
6130	18598322	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6131	18598326	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
6132	18598327	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6133	18598328	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6134	18598329	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $171,315.11 is underdisclosed from calculated Finance Charge of $171,400.16 in the amount of $85.05.	Unable to determine under disclosure, due to missing itemization of amount financed.
6135	18598330	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
6136	18598331	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6137	18598341	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6138	18598342	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6139	18598343	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6140	18598344	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6141	18598345	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $412,018.07 is underdisclosed from calculated Finance Charge of $412,228.23 in the amount of $210.16.	Unable to determine the fee under disclosure due to missing itemization of amount financed.
6142	18598347	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6143	18598348	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6144	18598349	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
6145	18598354	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6146	18598367	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6147	18598368	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6148	18598369	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6149	18598370	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6150	18598382	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
6151	18598383	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6152	18598384	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6153	18598385	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6154	18598386	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $374,358.01 is underdisclosed from calculated Finance Charge of $374,521.86 in the amount of $163.85.	Unable to determine under disclosure due to missing Itemization of amount financed
6155	18598400	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6156	18598401	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6157	18598402	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
6158	18598403	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6159	18598404	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Alabama Late Charge Percent and Amount Testing	Alabama Late Charge: Note late charge of 6.00000% exceeds state maximum of 5% or $10, whichever is greater.
6160	18598405	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Alabama Prepayment Penalty	Alabama Prepayment Penalty: A prepayment penalty is not permitted under the Consumer Credit Act.  Prepay language states prepay will not exceed maximum permitted by applicable law.
6161	18598406	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6162	18598407	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6163	18598408	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6164	18598409	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
6165	18598411	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6166	18598419	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6167	18598420	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
6168	18598421	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
6169	18598422	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6170	18598423	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
6171	18598424	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6172	18598426	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6173	18598427	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6174	18598433	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6175	18598434	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6176	18598435	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6177	18598436	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6178	18598437	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6179	18598438	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Received Timely)	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
6180	18598439	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6181	18598440	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6182	18598442	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6183	18598443	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
6184	18598444	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6185	18598445	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
6186	18598446	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
6187	18598447	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6188	18598448	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
6189	18598449	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
6190	18598450	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6191	18598451	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
6192	18598452	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6193	18598461	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6194	18598462	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6195	18598463	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6196	18598464	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
6197	18598465	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
6198	18598466	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
6199	18598467	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6200	18598468	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
6201	18598469	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6202	18598470	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6203	18598471	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6204	18598472	XXX	2020-03-26 14:10:22	Compliance	Compliance	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).
6205	18598473	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6206	18598474	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6207	18598475	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6208	18598476	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6209	18598485	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6210	18598486	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6211	18598487	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6212	18598488	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6213	18598489	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6214	18598493	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6215	18598494	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6216	18598495	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6217	18598496	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6218	18598497	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6219	18598498	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6220	18598499	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6221	18598500	XXX	2020-03-18 11:06:32	Compliance	Compliance	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 0 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.
6222	18598501	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6223	18598502	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6224	18598508	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $435,349.47 is underdisclosed from calculated Finance Charge of $436,815.43 in the amount of $1,465.96.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6225	18598509	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6226	18598510	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6227	18598511	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6228	18598513	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $134,721.05 is underdisclosed from calculated Finance Charge of $134,846.94 in the amount of $125.89.	Unable to determine under disclosure due to missing itemization of amount financed.
6229	18598514	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
6230	18598525	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
6231	18598526	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
6232	18598527	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $310,732.80 is underdisclosed from calculated Finance Charge of $311,407.04 in the amount of $674.24.	Unable to determine under disclosure due to missing Itemization of Amount Financed.  Payment stream over disclosure due to TIL PMI drop off at 136 months vs Actual calculated PMI drop off at 137 months.
6233	18598528	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
6234	18598529	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
6235	18598530	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6236	18598531	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6237	18598532	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6238	18598533	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.	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.
6239	18598534	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6240	18598535	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6241	18598536	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6242	18598537	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6243	18598538	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6244	18598539	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6245	18598540	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
6246	18598541	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6247	18598542	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6248	18598543	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
6249	18598544	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6250	18598545	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6251	18598546	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6252	18598547	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6253	18598548	XXX	2020-03-31 19:48:06	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
6254	18598549	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6255	18598550	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6256	18598551	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6257	18598552	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
6258	18598553	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6259	18598554	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6260	18598555	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6261	18598556	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6262	18598557	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6263	18598558	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6264	18598559	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2007
6265	18598560	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6266	18598561	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6267	18598562	XXX	2020-03-18 11:06:32	Compliance	Compliance	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 0 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.
6268	18598563	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6269	18598564	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6270	18598565	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6271	18598566	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6272	18598567	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6273	18598568	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6274	18598569	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6275	18598570	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6276	18598571	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6277	18598572	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
6278	18598573	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6279	18598574	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6280	18598575	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6281	18598576	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
6282	18598577	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6283	18598578	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6284	18598580	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6285	18598581	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
6286	18598582	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
6287	18598583	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6288	18598584	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6289	18598585	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6290	18598586	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6291	18598587	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6292	18598588	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6293	18598589	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6294	18598591	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6295	18598593	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6296	18598601	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6297	18598607	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6298	18598608	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
6299	18598602	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6300	18598603	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6301	18598616	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6302	18598617	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6303	18598618	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6304	18598619	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $290,350.46 is underdisclosed from calculated Finance Charge of $295,313.80 in the amount of $4,963.34.	Unable to determine under disclosure. The itemization of amount financed match.
6305	18598620	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 6.09600% is underdisclosed from calculated APR of 6.28805% outside of 0.125% tolerance.
6306	18598621	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6307	18598622	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6308	18598623	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6309	18598624	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
6310	18598625	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6311	18598626	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6312	18598627	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6313	18598628	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6314	18598629	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6315	18598630	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6316	18598631	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6317	18598632	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6318	18598633	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6319	18598634	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6320	18598635	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6321	18598636	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6322	18598637	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6323	18598638	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
6324	18598639	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6325	18598640	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6326	18598641	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6327	18598642	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	Initial TIL not provided
6328	18598643	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6329	18598644	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6330	18598645	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6331	18598649	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6332	18598650	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6333	18598651	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6334	18598652	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6335	18598653	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6336	18598654	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6337	18598655	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6338	18598658	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6339	18598659	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6340	18598660	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6341	18598661	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6342	18598662	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6343	18598663	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6344	18598664	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6345	18598665	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6346	18598666	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
6347	18598667	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6348	18598668	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6349	18598669	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $88,292.22 is underdisclosed from calculated Finance Charge of $89,018.39 in the amount of $726.17.	There is a Lender credit on line 205 for $669.67 which is not itemized therefore excluded.
6350	18598670	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
6351	18598671	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6352	18598672	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6353	18598673	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6354	18598674	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6355	18598697	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6356	18598698	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6357	18598699	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6358	18598700	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6359	18598701	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6360	18598702	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6361	18598703	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6362	18598704	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6363	18598705	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6364	18598706	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6365	18598707	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6366	18598708	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6367	18598709	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6368	18598710	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6369	18598711	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6370	18598712	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6371	18598713	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $358,992.58 is underdisclosed from calculated Finance Charge of $359,332.67 in the amount of $340.09.	Unable to determine cause of under disclosure due to missing itemization of amount financed.
6372	18598714	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6373	18598715	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6374	18598731	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6375	18598732	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 8.39000% is underdisclosed from calculated APR of 9.19724% outside of 0.125% tolerance.
6376	18598733	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $34,803.56 is underdisclosed from calculated Finance Charge of $36,218.73 in the amount of $1,415.17.	Unable to determine underdisclosure due to missing itemization of amount financed.
6377	18598734	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6378	18598735	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6379	18598736	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6380	18598737	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6381	18598738	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6382	18598739	XXX	2020-03-31 19:48:06	Compliance	Compliance	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 0 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.
6383	18598740	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6384	18598741	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6385	18598742	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6386	18598743	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6387	18598744	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6388	18598745	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6389	18598746	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $9,891.00, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.
6390	18598747	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6391	18598748	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6392	18598749	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6393	18598750	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6394	18598751	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6395	18598752	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6396	18598753	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6397	18598754	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6398	18598755	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $470,284.05 is underdisclosed from calculated Finance Charge of $470,327.07 in the amount of $43.02.	TIL Itemization of Amount Financed did not disclose a Recording Service fee of $35 as a prepaid finance charge.
6399	18598756	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2004
6400	18598757	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6401	18598758	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6402	18598764	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6403	18598765	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6404	18598766	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6405	18598767	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6406	18598768	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6407	18598769	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6408	18598770	XXX	2020-03-31 19:48:06	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
6409	18598771	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6410	18598772	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6411	18598773	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6412	18598774	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6413	18598775	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6414	18598776	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6415	18598777	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6416	18598778	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6417	18598779	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6418	18598780	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
6419	18598781	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6420	18598782	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6421	18598783	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6422	18598784	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
6423	18598785	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6424	18598786	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6425	18598787	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6426	18598788	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6427	18598789	XXX	2020-03-11 09:03:54	Compliance	Compliance	Federal Compliance	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.
6428	18598790	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6429	18598791	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
6430	18598792	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6431	18598793	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
6432	18598794	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6433	18598795	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6434	18598796	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6435	18598797	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6436	18598798	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6437	18598799	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6438	18598800	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6439	18598802	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6440	18598803	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6441	18598804	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6442	18598805	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6443	18598806	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6444	18598807	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6445	18598819	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6446	18598820	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6447	18598821	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6448	18598824	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6449	18598825	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
6450	18598826	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6451	18598827	XXX	2020-03-26 14:10:22	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
6452	18598828	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6453	18598829	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6454	18598830	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6455	18598831	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6456	18598832	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6457	18598834	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6458	18598838	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6459	18598839	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6460	18598840	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6461	18598841	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6462	18598842	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6463	18598843	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $52,195.69 is underdisclosed from calculated Finance Charge of $52,369.34 in the amount of $173.65.	Fees are under disclosed $173.65.  Itemization not provided.  Unable to verify the reason for the under disclosure due to missing Itemization of Amount Financed.
6464	18598844	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6465	18598845	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6466	18598846	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
6467	18598847	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6468	18598856	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6469	18598857	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6470	18598858	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6471	18598861	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6472	18598862	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6473	18598863	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6474	18598864	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6475	18598865	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6476	18598866	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6477	18598867	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
6478	18598868	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Massachusetts Late Charge Percent Testing	Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.
6479	18598869	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $269,054.52 is underdisclosed from calculated Finance Charge of $269,434.11 in the amount of $379.59.	TIL Itemization did not disclose an Application fee of $375 as a prepaid finance charge.
6480	18598870	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6481	18598871	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6482	18598872	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
6483	18598873	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
6484	18598874	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6485	18598875	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6486	18598876	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6487	18598877	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
6488	18598878	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6489	18598879	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.	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.
6490	18598880	XXX	2020-03-05 11:35:15	Compliance	Loan Package Documentation	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.
6491	18598881	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6492	18598882	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6493	18598883	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6494	18598884	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $131,248.13 is underdisclosed from calculated Finance Charge of $132,261.56 in the amount of $1,013.43.	Under disclosure is in the payment stream. Final TIL reflects MI dropping off after 112 months. Calculated payment stream reflects MI dropping off after 127 months.
6495	18598885	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6496	18598899	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6497	18598900	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
6498	18598901	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6499	18598902	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6500	18598903	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
6501	18598904	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6502	18598905	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6503	18598906	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6504	18598907	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6505	18598908	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6506	18598910	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6507	18598911	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6508	18598912	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6509	18598913	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6510	18598914	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6511	18598915	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6512	18598916	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6513	18598917	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6514	18598918	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6515	18598919	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6516	18598932	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6517	18598933	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6518	18598934	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6519	18598935	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6520	18598936	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6521	18598937	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6522	18598938	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6523	18598939	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $198,826.52 is underdisclosed from calculated Finance Charge of $198,976.44 in the amount of $149.92.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6524	18598940	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6525	18598941	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $178,969.65 is underdisclosed from calculated Finance Charge of $179,182.80 in the amount of $213.15.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6526	18598942	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6527	18598943	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6528	18598945	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6529	18598946	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6530	18598947	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6531	18598948	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6532	18598949	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6533	18598950	XXX	2020-03-31 19:48:06	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
6534	18598951	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6535	18598952	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6536	18598956	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6537	18598957	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $142,686.51 is underdisclosed from calculated Finance Charge of $142,747.09 in the amount of $60.58.	Courier fee of $48 and wire fee of $12.50 were not included in prepaid finance charges per TIL Itemization.
6538	18598958	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6539	18598959	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6540	18598960	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6541	18598961	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6542	18598962	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6543	18598969	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6544	18598970	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6545	18598972	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6546	18598973	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
6547	18598974	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6548	18598975	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
6549	18598976	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6550	18598977	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6551	18598982	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6552	18598983	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6553	18598984	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6554	18598985	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6555	18598986	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6556	18598987	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Alabama Late Charge Percent and Amount Testing	Alabama Late Charge: Note late charge amount of $104.41 exceeds the state maximum of $100.
6557	18598988	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Alabama Prepayment Penalty	Alabama Prepayment Penalty: A prepayment penalty is not permitted under the Consumer Credit Act.  Prepay language states prepay will not exceed maximum permitted by applicable law.
6558	18598999	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6559	18599000	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6560	18599001	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6561	18599004	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6562	18599005	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
6563	18599006	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6564	18599007	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6565	18599008	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6566	18599009	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6567	18599010	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
6568	18599011	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6569	18599013	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6570	18599014	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6571	18599015	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6572	18599016	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6573	18599024	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6574	18599025	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6575	18599026	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6576	18599028	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6577	18599029	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
6578	18599030	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
6579	18599031	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
6580	18599032	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $248,621.78 is underdisclosed from calculated Finance Charge of $248,672.91 in the amount of $51.13.	Unable to determine under disclosure due to missing Itemization of amount financed
6581	18599033	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6582	18599034	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $112,041.75 is underdisclosed from calculated Finance Charge of $113,009.34 in the amount of $967.59.	Unable to determine under disclosure due to missing itemization of Amount Financed.
6583	18599047	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6584	18599048	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
6585	18599049	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6586	18599050	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6587	18599051	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6588	18599052	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6589	18599053	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6590	18599054	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6591	18599055	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6592	18599056	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6593	18599057	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6594	18599058	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6595	18599059	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6596	18599060	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6597	18599061	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6598	18599067	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6599	18599068	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6600	18599069	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6601	18599070	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6602	18599071	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6603	18599072	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6604	18599073	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6605	18599074	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6606	18599075	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6607	18599076	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Louisiana Late Charge Percent Testing	Louisiana Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
6608	18599077	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Louisiana Prepayment Penalty	Louisiana Prepayment Penalty: Maximum penalty allowed per state is 5%, 4%, 3%, 2%, 1% (in Years 1-5).  Loan contracts for prepay percentages of 3.82500%, 3.82500%, 3.82500%,   which exceeds the max allowable.  Prepay language states prepay will not exceed maximum permitted by applicable law.
6609	18599078	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6610	18599079	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
6611	18599081	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
6612	18599082	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6613	18599089	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6614	18599090	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6615	18599091	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6616	18599092	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6617	18599098	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6618	18599099	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6619	18599100	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6620	18599101	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6621	18599102	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6622	18599111	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6623	18599112	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
6624	18599113	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6625	18599114	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6626	18599115	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6627	18599120	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6628	18599121	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6629	18599122	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6630	18599123	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6631	18599127	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6632	18599128	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6633	18599129	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6634	18599130	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6635	18599131	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $121,791.42 is underdisclosed from calculated Finance Charge of $122,039.97 in the amount of $248.55.	Unable to determine underdisclosure due to missing itemization.
6636	18599136	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6637	18599137	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6638	18599138	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $106,314.54 is underdisclosed from calculated Finance Charge of $106,395.11 in the amount of $80.57.	Unable to determine under disclosure due to missing itemization of amount financed.
6639	18599139	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6640	18599140	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6641	18599141	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6642	18599142	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Massachusetts Late Charge Percent Testing	Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.
6643	18599143	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6644	18599144	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6645	18599145	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6646	18599146	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
6647	18599147	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6648	18599148	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6649	18599153	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6650	18599154	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2001
6651	18599155	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6652	18599156	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6653	18599157	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
6654	18599158	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6655	18599159	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6656	18599160	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $702,591.93 is underdisclosed from calculated Finance Charge of $703,341.84 in the amount of $749.91.	Fees are under disclosed $749.91.  Itemization of PPFCs not provided.  Unable to verify the reason for the under disclosure without the Itemization.
6657	18599161	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6658	18599162	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6659	18599163	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6660	18599164	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6661	18599165	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6662	18599166	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6663	18599167	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6664	18599168	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6665	18599169	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6666	18599170	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6667	18599171	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
6668	18599172	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6669	18599177	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6670	18599178	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6671	18599182	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6672	18599190	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6673	18599191	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
6674	18599192	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Ohio Prepayment Penalty	Ohio Prepayment Penalty: Maximum calculated prepay of $XXXX.XX exceeds the state maximum of 1% of the original balance ($1,045.00).
6675	18599193	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $173,613.77 is underdisclosed from calculated Finance Charge of $173,735.59 in the amount of $121.82.	TIL Itemization did not disclose an Recording Fee of $272 as a prepaid finance charge.
6676	18599194	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6677	18599195	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6678	18599196	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6679	18599197	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6680	18599198	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6681	18599199	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $254,020.30 is underdisclosed from calculated Finance Charge of $254,762.59 in the amount of $742.29.	Under disclosed in the payments.  Final TIL includes MI in the payment for the first 180 months; however, the calculated term MI should be included is 209.
6682	18599201	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6683	18599202	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6684	18599203	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6685	18599204	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6686	18599205	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6687	18599206	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6688	18599207	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6689	18599208	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
6690	18599209	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6691	18599210	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6692	18599211	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
6693	18599212	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6694	18599213	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6695	18599214	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
6696	18599216	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6697	18599217	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6698	18599218	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6699	18599220	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $5,700.00, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.
6700	18599221	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6701	18599222	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
6702	18599225	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6703	18599226	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6704	18599227	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
6705	18599228	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
6706	18599229	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6707	18599230	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6708	18599231	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6709	18599232	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6710	18599243	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6711	18599244	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6712	18599245	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6713	18599246	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6714	18599247	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6715	18599248	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6716	18599249	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6717	18599250	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6718	18599251	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6719	18599252	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6720	18599253	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
6721	18599254	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6722	18599255	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6723	18599256	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6724	18599257	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6725	18599258	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6726	18599259	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6727	18599260	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6728	18599261	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6729	18599266	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6730	18599267	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $696,367.10 is underdisclosed from calculated Finance Charge of $696,682.00 in the amount of $314.90.	TIL itemization did not disclose an admin fee of $290 and a flood fee of $25 as prepaid finance charges.
6731	18599268	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6732	18599269	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $154,186.61 is underdisclosed from calculated Finance Charge of $154,239.24 in the amount of $52.63.	TIL Itemization did not disclose the application fee of $375, the processing fee of $245 and the notice of settlement fee of $43 as prepaid finance charges.
6733	18599270	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6734	18599271	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6735	18599272	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6736	18599273	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6737	18599276	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $265,483.31 is underdisclosed from calculated Finance Charge of $265,559.38 in the amount of $76.07.	TIL Itemization did not disclose Title Courier Fees of $70 and  a Release Fee of $20.
6738	18599278	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6739	18599279	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6740	18599280	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6741	18599281	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6742	18599282	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
6743	18599283	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $684,877.62 is underdisclosed from calculated Finance Charge of $684,987.02 in the amount of $109.40.	TIL itemization did not disclose a loan tie in fee of $200.00 as a prepaid finance charge.
6744	18599284	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6745	18599285	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6746	18599286	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6747	18599289	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6748	18599290	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6749	18599293	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	(Missing Data) Late Charge	Late Charge Type was not provided.  Any applicable Federal, State or Local compliance testing is unreliable.
6750	18599291	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6751	18599292	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Connecticut Prepayment Penalty Test	Connecticut Prepayment Penalty: A prepayment penalty is not permissible under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act.
6752	18599294	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6753	18599295	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6754	18599296	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6755	18599297	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6756	18599301	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6757	18599302	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6758	18599303	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6759	18599304	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6760	18599305	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6761	18599306	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6762	18599311	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6763	18599312	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6764	18599313	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6765	18599325	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6766	18599326	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6767	18599327	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6768	18599328	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6769	18599329	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $139,154.50 is underdisclosed from calculated Finance Charge of $139,678.04 in the amount of $523.54.	Unable to determine underdisclosure due to missing itemization of amount financed.
6770	18599330	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6771	18599331	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6772	18599332	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6773	18599333	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
6774	18599334	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6775	18599335	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
6776	18599342	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
6777	18599343	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6778	18599344	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6779	18599345	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6780	18599346	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6781	18599347	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6782	18599348	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6783	18599349	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $88,039.10 is underdisclosed from calculated Finance Charge of $88,139.90 in the amount of $100.80.	Unable to determine the under disclosure due missing Itemization of Amount Financed.
6784	18599351	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6785	18599352	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6786	18599353	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6787	18599354	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6788	18599355	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6789	18599359	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6790	18599360	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6791	18599361	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6792	18599362	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6793	18599363	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
6794	18599364	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6795	18599365	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6796	18599366	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
6797	18599367	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6798	18599368	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6799	18599369	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6800	18599370	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6801	18599371	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6802	18599372	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6803	18599373	XXX	2020-03-31 19:48:06	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
6804	18599374	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6805	18599375	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6806	18599376	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6807	18599377	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6808	18599378	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6809	18599379	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6810	18599380	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6811	18599381	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6812	18599382	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6813	18599383	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6814	18599384	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6815	18599385	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6816	18599386	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
6817	18599387	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
6818	18599388	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6819	18599389	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6820	18599390	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
6821	18599399	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $133,927.05 is underdisclosed from calculated Finance Charge of $134,276.93 in the amount of $349.88.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6822	18599407	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6823	18599417	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6824	18599418	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6825	18599419	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6826	18599421	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	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.
6827	18599422	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6828	18599423	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6829	18599424	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
6830	18599429	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6831	18599430	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6832	18599431	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6833	18599432	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6834	18599433	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6835	18599434	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6836	18599435	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6837	18599436	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6838	18599437	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6839	18599438	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6840	18599439	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6841	18599440	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $153,241.32 is underdisclosed from calculated Finance Charge of $153,555.76 in the amount of $314.44.	Unable to determine under disclosure, due to missing itemization of amount financed.
6842	18599444	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6843	18599445	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6844	18599446	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $345,140.58 is underdisclosed from calculated Finance Charge of $345,768.05 in the amount of $627.47.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6845	18599452	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6846	18599453	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	North Carolina Home Loan (Impermissible Prepayment Penalty)	North Carolina Home Loan: First lien mortgage loan less than $150,000 contains an impermissible prepayment penalty.
6847	18599454	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	North Carolina First Lien Late Charge Percent Testing	North Carolina Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 4%.
6848	18599455	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6849	18599456	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6850	18599457	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $69,418.16 is underdisclosed from calculated Finance Charge of $73,073.31 in the amount of $3,655.15.	TIL Itemization did not disclose the attorney fee of $450 or the courier fee of $25 as prepaid finance charges. Neg Am loan
6851	18599462	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6852	18599463	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6853	18599464	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6854	18599465	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $218,949.25 is underdisclosed from calculated Finance Charge of $219,993.22 in the amount of $1,043.97.	Under disclosure due to payment stream, due to the final TIL indicating MI for 120 months, while the final audit indicated MI for 173 months.
6855	18599468	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6856	18599469	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $77,535.93 is underdisclosed from calculated Finance Charge of $77,885.10 in the amount of $349.17.	Under disclosure is due to payment stream resulting from MI calculations.  Final TIL cuts off MI at 120 months.  Cert indicates reduction in MI payments after 120 months to .20%, which is the reason for the under disclosure.
6857	18599470	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.
6858	18599471	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6859	18599472	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6860	18599473	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6861	18599474	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TIL APR Tolerance Irregular Transaction	Truth In Lending Act:  Final TIL APR of 4.15000% is underdisclosed from calculated APR of 4.73579% outside of 0.125% tolerance.
6862	18599475	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $207,930.07 is underdisclosed from calculated Finance Charge of $246,057.91 in the amount of $38,127.84.	Under disclosure is due to the lender utilizing an index value of 1.14% per the lender screen shot, however the lowest index value available in the lookback period is 1.88%.
6863	18599492	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $85,500.42 is underdisclosed from calculated Finance Charge of $86,184.55 in the amount of $684.13.	Per itemization provided on final TIL, Lender did not include Origination Fee of $275, underwriting Fee of $275, lender courier fees $50, tax cert fee of $69 and flood certification fee of $15 as prepaid finance charges.
6864	18599493	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6865	18599494	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6866	18599495	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6867	18599497	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6868	18599499	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6869	18599500	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6870	18599502	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6871	18599513	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6872	18599514	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6873	18599516	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6874	18599517	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6875	18599518	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6876	18599519	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $53,238.28 is underdisclosed from calculated Finance Charge of $53,823.83 in the amount of $585.55.	Unable to determine under disclosure, due to missing itemization of amount financed.  Payment stream portion due to audit indicating MI for 30 months longer than the final TIL.
6877	18599520	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6878	18599521	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6879	18599522	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6880	18599523	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6881	18599524	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6882	18599525	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6883	18599526	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6884	18599527	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6885	18599528	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6886	18599530	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6887	18599531	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $327,115.35 is underdisclosed from calculated Finance Charge of $327,541.02 in the amount of $425.67.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6888	18599532	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6889	18599533	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6890	18599534	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $209,644.18 is underdisclosed from calculated Finance Charge of $209,883.96 in the amount of $239.78.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
6891	18599536	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6892	18599537	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6893	18599547	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6894	18599548	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6895	18599549	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6896	18599550	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6897	18599551	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
6898	18599552	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6899	18599553	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
6900	18599554	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
6901	18599556	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
6902	18599558	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
6903	18599559	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6904	18599560	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6905	18599561	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
6906	18599562	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6907	18599567	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6908	18599568	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6909	18599569	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6910	18599570	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6911	18599571	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6912	18599572	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
6913	18599573	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
6914	18599574	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
6915	18599575	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6916	18599576	XXX	2020-03-31 19:48:06	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
6917	18599580	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6918	18599581	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
6919	18599582	XXX	2018-09-07 10:31:01	Credit	Loan Package Documentation	Application / Processing	Valuation Error: APN Number not provided.	Valuation Type: Appraisal / Valuation Report Date: XX/XX/2006
6920	18599589	XXX	2018-09-07 10:31:01	Compliance	Compliance	Federal Compliance	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.
6921	18599590	XXX	2018-09-07 10:31:01	Compliance	Compliance	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.
6922	18599591	XXX	2018-09-07 10:31:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6923	18599592	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6924	18599593	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Virginia Tangible Net Benefit Test	Virginia Mortgage Lender and Broker Act:  Unable to determine if mortgage loan was refinanced within the past twelve (12) months without a tangible net benefit to the borrower due to missing prior loan information.
6925	18599594	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $303,346.68 is underdisclosed from calculated Finance Charge of $304,404.80 in the amount of $1,058.12.	TIL itemization did not include the Discount fee of $1653 in the prepaid amount financed but did include an appraisal fee of $500.
6926	18599595	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6927	18599606	XXX	2018-08-31 17:26:56	Compliance	Compliance	Federal Compliance	TIL APR Tolerance Irregular Transaction	Truth In Lending Act:  Final TIL APR of 8.00400% is underdisclosed from calculated APR of 9.46246% outside of 0.125% tolerance.
6928	18599607	XXX	2018-08-31 17:26:56	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $74,852.14 is underdisclosed from calculated Finance Charge of $83,859.45 in the amount of $9,007.31.	Under disclosure due to TIL not disclosing MI
6929	18599608	XXX	2018-08-31 17:26:56	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6930	18599609	XXX	2018-08-31 17:26:56	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6931	18599610	XXX	2018-08-31 17:26:56	Compliance	Compliance	Federal Compliance	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.
6932	18599616	XXX	2020-03-30 16:43:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
6933	18599617	XXX	2018-09-14 10:44:34	Compliance	Compliance	Federal Compliance	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.
6934	18599618	XXX	2018-09-14 10:44:34	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6935	18599619	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6936	18599620	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
6937	18599621	XXX	2018-09-14 10:44:34	Compliance	Compliance	Federal Compliance	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.
6938	18599622	XXX	2018-09-14 10:44:34	Compliance	Compliance	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.
6939	18599623	XXX	2018-09-14 10:44:34	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6940	18599627	XXX	2018-09-10 09:52:47	Compliance	Compliance	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.
6941	18599628	XXX	2018-09-10 09:52:47	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2004
6942	18599629	XXX	2018-09-10 09:52:47	Compliance	Compliance	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.
6943	18599632	XXX	2018-09-17 11:22:53	Compliance	Compliance	Federal Compliance	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.
6944	18599633	XXX	2018-09-17 11:22:53	Compliance	Compliance	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.
6945	18599634	XXX	2018-09-17 11:22:53	Compliance	Compliance	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.
6946	18599640	XXX	2018-09-20 16:18:43	Compliance	Compliance	Federal Compliance	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.  The final date used for testing was XX/XX/2007.
6947	18599641	XXX	2018-09-20 16:18:43	Compliance	Compliance	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.
6948	18599642	XXX	2018-09-19 16:10:10	Compliance	Compliance	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.
6949	18599643	XXX	2018-09-19 16:10:10	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided		MI cert in file shows incorrect MI as Declining, Final TIL shows Step Level MI
6950	18599654	XXX	2018-09-17 11:22:53	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $334,427.66 is underdisclosed from calculated Finance Charge of $334,617.58 in the amount of $189.92.	Unable to determine under disclosure due to missing itemization of amount financed.
6951	18599655	XXX	2018-09-10 09:52:47	Credit	Loan Package Documentation	Application / Processing	Missing Document: Purchase Agreement / Sales Contract not provided
6952	18599656	XXX	2018-09-10 09:52:47	Compliance	Compliance	Federal Compliance	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.
6953	18599657	XXX	2018-09-10 09:52:47	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6954	18599660	XXX	2018-09-18 11:25:17	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6955	18599665	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	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.
6956	18599666	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6957	18599667	XXX	2018-09-19 16:10:10	Compliance	Compliance	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.
6958	18599668	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	ARM Disclosure Status	Unable to determine if loan file contains ARM Disclosure due to missing information.
6959	18599669	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
6960	18599670	XXX	2018-09-19 17:21:30	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6961	18599671	XXX	2018-09-19 17:21:30	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6962	18599672	XXX	2018-09-19 17:21:30	Compliance	Compliance	Federal Compliance	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.
6963	18599683	XXX	2018-09-19 17:21:30	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6964	18599684	XXX	2018-09-19 17:21:30	Compliance	Compliance	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.
6965	18599685	XXX	2018-09-19 17:21:30	Compliance	Compliance	Federal Compliance	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.
6966	18599686	XXX	2018-09-19 17:21:30	Compliance	Compliance	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.
6967	18599687	XXX	2018-09-19 17:21:30	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $442,987.74 is underdisclosed from calculated Finance Charge of $445,424.13 in the amount of $2,436.39.	Per the itemization of amount financed the following fees were not disclosed:  Application Fee $733, Attorney Fee $800, Commitment Fee $525, Escrow Service Fee $110, Notice of Commencement $80, Tax Service Fee $79, Courier $85 and Wire Transfer Fee $25 for a total of $2437.
6968	18599707	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	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.
6969	18599708	XXX	2019-01-29 12:35:55	Compliance	Compliance	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.
6970	18599711	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6971	18599712	XXX	2019-01-29 12:35:55	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6972	18599713	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	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.
6973	18599714	XXX	2019-01-29 12:35:55	Compliance	Compliance	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.
6974	18599717	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $592,677.45 is underdisclosed from calculated Finance Charge of $592,788.46 in the amount of $111.01.	TIL Itemization did not disclose a Recording Service fee of $50, a Settlement fee of $963, and a Wire fee of $20 partially offset by an itemized Escrow fee of $732, a Wire fee of $40 and a Document Preparation fee of $150 as prepaid finance charges.
6975	18599718	XXX	2019-01-29 12:35:55	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6976	18599719	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $165,008.96 is underdisclosed from calculated Finance Charge of $166,171.59 in the amount of $1,162.63.	Unable to determine under disclosure due to missing TIL itemization of amount financed.
6977	18599720	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	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.
6978	18599721	XXX	2019-01-29 12:35:55	Compliance	Compliance	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.
6979	18599722	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	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.
6980	18599723	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6981	18599724	XXX	2019-01-29 12:35:55	Compliance	Compliance	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.
6982	18599725	XXX	2019-01-29 12:35:55	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6983	18599737	XXX	2019-02-04 14:41:11	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $182,708.73 is underdisclosed from calculated Finance Charge of $182,834.08 in the amount of $125.35.	Unable to determine under disclosure due to missing Itemization of amount financed.
6984	18599738	XXX	2019-02-04 14:41:11	Compliance	Compliance	Federal Compliance	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.
6985	18599743	XXX	2019-02-04 14:41:11	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
6986	18599757	XXX	2019-02-25 15:27:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6987	18599758	XXX	2019-02-25 15:27:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6988	18599767	XXX	2019-02-25 15:27:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6989	18599768	XXX	2019-02-25 15:27:33	Compliance	Compliance	Federal Compliance	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.
6990	18599769	XXX	2019-02-25 15:27:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
6991	18599770	XXX	2019-02-25 15:27:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6992	18599771	XXX	2019-02-25 15:27:33	Compliance	Compliance	Federal Compliance	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.  The final date used for testing was XX/XX/2007.
6993	18599772	XXX	2019-02-25 15:27:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
6994	18599773	XXX	2019-02-25 15:27:33	Compliance	Compliance	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.
6995	18599774	XXX	2019-02-25 15:27:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6996	18599775	XXX	2019-02-25 15:27:33	Compliance	Compliance	Federal Compliance	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.
6997	18599776	XXX	2019-02-25 15:27:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
6998	18599777	XXX	2019-02-25 15:27:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
6999	18599778	XXX	2019-02-25 15:27:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7000	18599779	XXX	2019-03-13 15:14:52	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7001	18599780	XXX	2019-03-13 15:14:52	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7002	18599781	XXX	2019-03-13 15:14:52	Compliance	Compliance	Federal Compliance	ARM Disclosure Status	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
7003	18599782	XXX	2019-03-13 15:14:52	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7004	18599783	XXX	2019-03-13 15:14:52	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7005	18599784	XXX	2019-03-22 10:46:21	Compliance	Compliance	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.
7006	18599785	XXX	2019-03-22 10:46:21	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
7007	18599786	XXX	2019-03-22 10:46:21	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.
7008	18599787	XXX	2019-03-22 10:46:21	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
7009	18599789	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
7010	18599790	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
7011	18599791	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7012	18599792	XXX	2019-05-24 15:31:11	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7013	18599793	XXX	2019-05-24 15:31:11	Compliance	Property - Appraisal	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.
7014	18599794	XXX	2019-05-24 15:31:11	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7015	18599795	XXX	2019-05-24 15:31:11	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7016	18599796	XXX	2019-05-24 15:31:11	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
7017	18599797	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7018	18599798	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7019	18599799	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7020	18599800	XXX	2019-05-24 15:31:11	Compliance	Compliance	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/2013 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.
7021	18599801	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7022	18599802	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7023	18599803	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7024	18599804	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
7025	18599805	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
7026	18599806	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7027	18599807	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
7028	18599808	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7029	18599809	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7030	18599810	XXX	2019-05-16 12:03:38	Compliance	Compliance	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.
7031	18599811	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7032	18599812	XXX	2019-05-16 12:03:38	Compliance	Compliance	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.
7033	18599813	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) Without Cure	RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
7034	18599814	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) Without Cure	RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
7035	18599815	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
7036	18599816	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7037	18599824	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7038	18599825	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
7039	18599826	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
7040	18599827	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7041	18599828	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
7042	18599829	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
7043	18599830	XXX	2019-05-24 15:31:11	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7044	18599831	XXX	2019-05-24 15:31:11	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
7045	18599832	XXX	2019-05-24 15:31:11	Compliance	Property - Appraisal	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.
7046	18599833	XXX	2019-05-24 15:31:11	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7047	18599834	XXX	2019-05-24 15:31:11	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
7048	18599835	XXX	2019-05-24 15:31:11	Compliance	Compliance	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 Investment)
7049	18599836	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7050	18599837	XXX	2019-05-24 15:31:11	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2011
7051	18599844	XXX	2019-05-24 15:31:11	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7052	18599845	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7053	18599847	XXX	2019-05-24 15:31:11	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7054	18599848	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7055	18599849	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7056	18599854	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7057	18599855	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7058	18599856	XXX	2019-01-29 12:35:55	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7059	18599857	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	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.  The final date used for testing was XX/XX/2007.
7060	18599858	XXX	2019-01-29 12:35:55	Compliance	Compliance	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.
7061	18599859	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $299,873.79 is underdisclosed from calculated Finance Charge of $300,302.67 in the amount of $428.88.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
7062	18599863	XXX	2019-05-24 15:31:11	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7063	18599864	XXX	2019-05-24 15:31:11	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7064	18599865	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	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.
7065	18599866	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7066	18599867	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7067	18599869	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7068	18599871	XXX	2019-05-24 15:31:11	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7069	18599873	XXX	2019-05-24 15:31:11	Compliance	Property - Appraisal	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.
7070	18599875	XXX	2019-05-24 15:31:11	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7071	18599897	XXX	2019-05-31 15:40:47	Compliance	Compliance	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.
7072	18599898	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $338,791.85 is underdisclosed from calculated Finance Charge of $339,208.30 in the amount of $416.45.	TIL itemization did not disclose a mortgage insurance fee of $86.68, an insured closing letter fee of $35, and a title service fee of $295 as prepaid finance charge.
7073	18599899	XXX	2019-05-31 15:40:47	Compliance	Compliance	State Compliance	Michigan Consumer Mortgage Protection Act (Counseling Agencies List)	Unable to test counseling agencies list due to missing information.
7074	18599881	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7075	18599882	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7076	18599885	XXX	2019-05-16 12:03:38	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7077	18599886	XXX	2019-05-16 12:03:38	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7078	18599887	XXX	2019-05-16 12:03:38	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
7079	18599888	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	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.
7080	18599889	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7081	18599890	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7082	18599891	XXX	2019-05-16 12:03:38	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7083	18599892	XXX	2019-05-16 12:03:38	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7084	18599893	XXX	2019-05-16 12:03:38	Compliance	Property - Appraisal	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.
7085	18599894	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7086	18599895	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
7087	18599883	XXX	2019-05-16 12:03:38	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7088	18599884	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	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.
7089	18599915	XXX	2019-05-16 12:03:38	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7090	18599916	XXX	2019-05-16 12:03:38	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7091	18599917	XXX	2019-05-16 12:03:38	Compliance	Compliance	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.
7092	18599918	XXX	2019-05-16 12:03:38	Compliance	Compliance	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.
7093	18599919	XXX	2019-05-16 12:03:38	Compliance	Compliance	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.   The final date used for testing was XX/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
7094	18599920	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7095	18599921	XXX	2019-05-16 12:03:38	Compliance	Property - Appraisal	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.
7096	18599922	XXX	2019-05-16 12:03:38	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7097	18599923	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	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.
7098	18599924	XXX	2019-05-16 12:03:38	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7099	18599935	XXX	2020-03-30 14:40:15	Compliance	Compliance	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.
7100	18599936	XXX	2019-05-09 09:51:23	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7101	18599937	XXX	2019-05-09 09:51:23	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7102	18599938	XXX	2019-05-09 09:51:23	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7103	18599939	XXX	2019-05-09 09:51:23	Compliance	Compliance	Federal Compliance	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.
7104	18599940	XXX	2019-05-09 09:51:23	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7105	18599941	XXX	2019-05-09 09:51:23	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7106	18599943	XXX	2019-05-31 15:40:47	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7107	18599945	XXX	2019-05-17 08:35:34	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7108	18599946	XXX	2019-05-17 08:35:34	Compliance	Property - Appraisal	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.
7109	18599947	XXX	2019-05-17 08:35:34	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7110	18599948	XXX	2019-05-17 08:35:34	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7111	18599949	XXX	2019-05-17 08:35:34	Compliance	Compliance	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.
7112	18599950	XXX	2019-05-17 08:35:34	Compliance	Compliance	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.
7113	18599951	XXX	2019-05-17 08:35:34	Compliance	Compliance	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.   The final date used for testing was XX/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
7114	18599952	XXX	2019-05-17 08:35:34	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7115	18599953	XXX	2019-05-17 08:35:34	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7116	18599954	XXX	2019-05-17 08:35:34	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7117	18599955	XXX	2019-05-30 09:55:35	Compliance	Compliance	Federal Compliance	Broker Initial Disclosure Date	Unable to determine evidence of Initial Application Date from the Broker's Initial Disclosure due to missing information.
7118	18599956	XXX	2019-05-30 09:55:35	Compliance	Compliance	Federal Compliance	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.
7119	18599957	XXX	2019-05-30 10:02:25	Compliance	Compliance	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.
7120	18599974	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $163,126.43 is underdisclosed from calculated Finance Charge of $163,320.91 in the amount of $194.48.	Unable to determine under disclosure due to missing itemization of amount financed.
7121	18599975	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
7122	18599976	XXX	2019-05-31 15:40:47	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7123	18599977	XXX	2019-06-07 07:23:31	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2007
7124	18599978	XXX	2019-06-07 07:23:31	Compliance	Compliance	Federal Compliance	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.
7125	18599979	XXX	2019-06-07 07:23:31	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7126	18599980	XXX	2019-06-07 07:23:31	Compliance	Compliance	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.
7127	18599981	XXX	2019-06-07 07:23:31	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7128	18599982	XXX	2019-06-07 07:23:31	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $136,241.00 is underdisclosed from calculated Finance Charge of $136,365.82 in the amount of $124.82.	Unable to determine under disclosure due to missing the itemization of amount financed.
7129	18599990	XXX	2019-05-31 15:40:47	Compliance	Compliance	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.
7130	18599991	XXX	2019-05-31 15:40:47	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7131	18599992	XXX	2019-06-07 07:23:31	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7132	18599993	XXX	2019-06-07 07:23:31	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7133	18599994	XXX	2019-06-07 07:23:31	Compliance	Compliance	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
7134	18599995	XXX	2019-06-07 07:23:31	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
7135	18599996	XXX	2019-06-07 07:23:31	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7136	18599998	XXX	2019-06-07 07:23:31	Compliance	Compliance	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.
7137	18599999	XXX	2019-06-07 07:23:31	Compliance	Compliance	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.
7138	18600000	XXX	2019-06-07 07:23:31	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7139	18600001	XXX	2019-06-07 07:23:31	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7140	18600004	XXX	2019-05-24 15:31:11	Compliance	Compliance	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.
7141	18600005	XXX	2019-05-23 21:29:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7142	18600006	XXX	2019-05-23 21:29:06	Compliance	Compliance	Federal Compliance	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.
7143	18600007	XXX	2019-05-23 21:29:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7144	18600008	XXX	2019-05-23 21:29:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7145	18600009	XXX	2019-05-23 21:29:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7146	18600010	XXX	2019-05-23 21:29:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7147	18600011	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $268,578.67 is underdisclosed from calculated Finance Charge of $268,792.14 in the amount of $213.47.	Unable to determine under disclosure due to missing itemization.
7148	18600016	XXX	2019-06-07 14:35:23	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7149	18600018	XXX	2019-06-07 14:35:23	Compliance	Compliance	Federal Compliance	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.
7150	18600019	XXX	2019-06-07 14:35:23	Compliance	Compliance	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.
7151	18600020	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	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.
7152	18600021	XXX	2019-05-31 15:40:47	Compliance	Compliance	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.
7153	18600022	XXX	2019-06-07 14:35:23	Compliance	Compliance	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.
7154	18600023	XXX	2019-06-07 14:35:23	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 6.10060% is overdisclosed from calculated APR of 5.68780% outside of 0.125% tolerance.
7155	18600024	XXX	2019-06-07 14:35:23	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $243,477.77 is underdisclosed from calculated Finance Charge of $243,774.78 in the amount of $297.01.	Unable to determine under disclosure due to missing itemization of amount financed.
7156	18600025	XXX	2019-06-07 14:35:23	Compliance	Compliance	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.
7157	18600026	XXX	2019-06-07 14:35:23	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
7158	18600029	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $378,700.13 is underdisclosed from calculated Finance Charge of $379,089.24 in the amount of $389.11.	Unable to determine the reason for the underdisclosure due to missing TIL itemization of amount financed.
7159	18600030	XXX	2019-05-31 15:40:47	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7160	18600031	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	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.
7161	18600032	XXX	2019-06-12 11:47:44	Credit	Loan Package Documentation	Closing / Title	Missing Document: Security Instrument - Subject Lien not provided
7162	18600033	XXX	2019-06-12 11:47:44	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
7163	18600034	XXX	2019-06-12 11:47:44	Compliance	Compliance	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.
7164	18600035	XXX	2019-06-12 11:47:44	Compliance	Compliance	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
7165	18600036	XXX	2019-06-12 11:47:44	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $173,588.75 is underdisclosed from calculated Finance Charge of $173,653.96 in the amount of $65.21.	Unable to determine under disclosure due to missing Itemization.
7166	18600037	XXX	2019-06-12 11:47:44	Compliance	Compliance	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.
7167	18600042	XXX	2019-06-20 07:49:00	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7168	18600044	XXX	2019-06-12 11:47:44	Compliance	Compliance	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.
7169	18600045	XXX	2019-06-12 11:47:44	Compliance	Compliance	Federal Compliance	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.
7170	18600046	XXX	2019-06-12 11:47:44	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7171	18600047	XXX	2019-06-12 11:47:44	Compliance	Compliance	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.
7172	18600048	XXX	2019-06-20 07:49:00	Compliance	Compliance	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.
7173	18600049	XXX	2019-06-20 07:49:00	Compliance	Compliance	Federal Compliance	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.
7174	18600052	XXX	2019-06-12 11:47:44	Compliance	Compliance	Federal Compliance	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.
7175	18600053	XXX	2019-06-12 11:47:44	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7176	18600054	XXX	2019-06-12 11:47:44	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7177	18600055	XXX	2019-06-12 11:47:44	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7178	18600056	XXX	2019-06-12 11:47:44	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7179	18600058	XXX	2019-06-20 07:49:00	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7180	18600059	XXX	2019-06-20 07:49:00	Compliance	Compliance	Federal Compliance	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.
7181	18600060	XXX	2019-06-20 07:49:00	Compliance	Compliance	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.
7182	18600063	XXX	2019-06-20 07:49:00	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7183	18600071	XXX	2019-06-27 14:33:02	Compliance	Compliance	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.
7184	18600072	XXX	2019-06-27 14:33:02	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7185	18600073	XXX	2019-06-27 14:33:02	Compliance	Compliance	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.
7186	18600074	XXX	2019-06-27 14:33:02	Compliance	Compliance	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.
7187	18600075	XXX	2019-06-27 14:33:02	Compliance	Compliance	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.
7188	18600076	XXX	2019-06-20 07:49:00	Compliance	Compliance	Federal Compliance	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.
7189	18600077	XXX	2019-06-20 07:49:00	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
7190	18600078	XXX	2019-06-20 07:49:00	Compliance	Compliance	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.
7191	18600079	XXX	2019-06-20 07:49:00	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7192	18600080	XXX	2019-06-20 07:49:00	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7193	18600081	XXX	2019-06-20 07:49:00	Compliance	Compliance	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.
7194	18600082	XXX	2019-06-27 14:33:02	Compliance	Compliance	Federal Compliance	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.
7195	18600097	XXX	2019-06-28 07:52:20	Compliance	Compliance	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.
7196	18600098	XXX	2019-06-28 07:52:20	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7197	18600099	XXX	2019-06-28 07:52:20	Compliance	Compliance	Federal Compliance	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.
7198	18600100	XXX	2019-06-28 07:52:20	Compliance	Compliance	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.
7199	18600101	XXX	2019-06-28 07:52:20	Compliance	Compliance	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.
7200	18600120	XXX	2019-07-03 08:16:13	Compliance	Compliance	Federal Compliance	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.
7201	18600121	XXX	2019-07-03 08:16:13	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7202	18600122	XXX	2019-07-03 08:16:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
7203	18600127	XXX	2019-07-03 08:16:13	Compliance	Compliance	Federal Compliance	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.
7204	18600128	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
7205	18600129	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
7206	18600130	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
7207	18600131	XXX	2019-07-03 08:16:13	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $101,040.29 is underdisclosed from calculated Finance Charge of $101,085.39 in the amount of $45.10.	Unable to determine under disclosure, due to missing itemization of amount financed.
7208	18600132	XXX	2019-07-14 10:26:58	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7209	18600133	XXX	2019-07-14 10:26:58	Compliance	Compliance	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.
7210	18600134	XXX	2019-07-14 10:26:58	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7211	18600135	XXX	2019-07-14 10:26:58	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $79,954.44 is underdisclosed from calculated Finance Charge of $80,087.40 in the amount of $132.96.	Unable to determine under disclosure due to missing itemization of amount financed.  Fee related.
7212	18600142	XXX	2019-07-14 10:26:58	Compliance	Compliance	Federal Compliance	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.
7213	18600143	XXX	2019-07-14 10:26:58	Compliance	Compliance	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.
7214	18600147	XXX	2019-07-14 10:26:58	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7215	18600148	XXX	2019-07-14 10:26:58	Compliance	Compliance	Federal Compliance	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.
7216	18600159	XXX	2020-03-20 14:36:27	Compliance	Loan Package Documentation	Application / Processing	Missing Document: Missing Lender's Initial 1003
7217	18600160	XXX	2020-03-20 14:36:27	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Two appraisals were needed for Securitization and were not provided
7218	18600161	XXX	2020-03-20 14:36:27	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: TROPICAL STORM XXX Disaster Declaration Date: XX/XX/2019 Disaster End Date:  XX/XX/2019
7219	18600162	XXX	2020-03-20 14:36:27	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
7220	18600163	XXX	2020-03-20 14:36:27	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided		PIW not in file
7221	18600164	XXX	2020-03-30 14:39:45	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
7222	18600165	XXX	2020-03-30 14:39:45	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $57,384.68 is underdisclosed from calculated Finance Charge of $57,471.33 in the amount of $86.65.	Subordination fee of 85.00 not listed on itemization of amount financed
7223	18600166	XXX	2020-03-30 14:39:45	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.
7224	18600177	XXX	2020-02-21 16:01:03	Compliance	Compliance	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.
7225	18600178	XXX	2020-02-21 16:01:03	Compliance	Compliance	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.	Document is not dated or signed with signature date
7226	18600179	XXX	2020-01-29 11:07:37	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: HURRICANE XXX Disaster Declaration Date: XX/XX/2017 Disaster End Date:  XX/XX/2017
7227	18600180	XXX	2020-01-29 11:07:37	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
7228	18600181	XXX	2020-01-29 11:07:37	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Subject Refi Plus loan was approved without an appraisal, however, 2 valuations will be required for securitization.
7229	18600182	XXX	2020-01-29 11:07:37	Compliance	Compliance	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.
7230	18600183	XXX	2020-01-29 11:07:37	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided		PIW was not located in the file
7231	18600184	XXX	2020-03-19 17:23:52	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/2018 Disaster End Date:  XX/XX/2018	Property located in FEMA disaster area and has not been inspected
7232	18600185	XXX	2020-03-19 17:23:52	Credit	Insurance	Insurance Analysis	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Hazard insurance coverage is insufficient
7233	18600186	XXX	2020-03-19 17:23:52	Credit	Borrower and Mortgage Eligibility	Mortgage / Program Eligibility	Missing Document: Note - Subordinate Lien not provided		Subordinate lien not provided
7234	18600187	XXX	2020-03-19 17:23:52	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Subject HARP loan was approved without an appraisal, however, 2 valuations will be required for securitization.
7235	18600188	XXX	2020-03-24 14:43:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided
7236	18600189	XXX	2020-03-24 14:43:32	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Subject Refi Plus loan was approved without an appraisal, however, 2 valuations will be required for securitization.
7237	18600190	XXX	2020-03-24 14:43:32	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: SEVERE STORMS AND FLOODING Disaster Declaration Date: XX/XX/2009 Disaster End Date:  XX/XX/2009	No PDI in the loan file.
7238	18600198	XXX	2020-03-31 15:44:04	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: WILDFIRES Disaster Declaration Date: XX/XX/2018 Disaster End Date:  XX/XX/2018	Post inspection is required.
7239	18600199	XXX	2020-03-31 15:44:04	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Loan is to go into a securitization and no appraisal was in the loan file, two valuations are required for securitization.
7240	18600200	XXX	2020-03-31 15:44:04	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
7241	18600201	XXX	2020-03-31 15:44:04	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
7242	18600202	XXX	2020-03-31 15:44:04	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $412,326.73 is underdisclosed from calculated Finance Charge of $412,837.91 in the amount of $511.18.	Unable to determine underdisclosure due to itemization does not break down lender paid fees from lump sum credit on page 1 of the HUD
7243	18600203	XXX	2020-03-31 15:44:04	Credit	Borrower and Mortgage Eligibility	Mortgage / Program Eligibility	Missing Document: Note - Subordinate Lien not provided		Missing the note for the subordinate financing.
7244	18600204	XXX	2020-03-31 15:44:04	Credit	Insurance	Insurance Analysis	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Hazard insurance coverage is short by XXX.
7245	18600206	XXX	2020-03-19 17:23:52	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: XX/XX/2014                  Disaster End Date: XX/XX/2014 Disaster Name: EARTHQUAKE Disaster Declaration Date: XX/XX/2014
7246	18600207	XXX	2020-03-19 17:23:52	Compliance	Compliance	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/2014)
7247	18600208	XXX	2020-03-19 17:23:52	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.	Fee tolerance exceeded by $201.09.  No cure found on final HUD.
7248	18600214	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
7249	18600215	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7250	18600217	XXX	2020-01-30 10:44:13	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7251	18600218	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $275,778.69 is underdisclosed from calculated Finance Charge of $275,898.02 in the amount of $119.33.	Unable to determine the reason for the under disclosure due to missing the itemization of amount financed.
7252	18600219	XXX	2020-01-30 10:44:13	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7253	18600220	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	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.
7254	18600221	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7255	18600226	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7256	18600227	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7257	18600233	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
7258	18600234	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7259	18600253	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7260	18600254	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7261	18600255	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7262	18600256	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7263	18600257	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7264	18600258	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7265	18600259	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7266	18600260	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7267	18600261	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
7268	18600262	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
7269	18600263	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
7270	18600264	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
7271	18600265	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
7272	18600266	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7273	18600267	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7274	18600268	XXX	2020-03-12 17:31:28	Compliance	Compliance	State Compliance	Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)	Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.
7275	18600269	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7276	18600281	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
7277	18600282	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.
7278	18600283	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.
7279	18600284	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
7280	18600291	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7281	18600292	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7282	18600293	XXX	2020-01-30 10:44:13	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
7283	18600294	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7284	18600296	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7285	18600297	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7286	18600298	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7287	18600299	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
7288	18600300	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
7289	18600301	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7290	18600302	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7291	18600303	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7292	18600304	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	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.
7293	18600305	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
7294	18600306	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
7295	18600307	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
7296	18600308	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
7297	18600309	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7298	18600310	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7299	18600311	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7300	18600312	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7301	18600313	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7302	18600314	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7303	18600315	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7304	18600316	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7305	18600317	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
7306	18600318	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7307	18600319	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7308	18600320	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $189,451.47 is underdisclosed from calculated Finance Charge of $189,736.77 in the amount of $285.30.	Itemization did not disclose the origination fee of $874 and flood cert fee of $10.50 as prepaid finance charges
7309	18600335	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
7310	18600336	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $224,811.89 is underdisclosed from calculated Finance Charge of $224,877.94 in the amount of $66.05.	TIL Itemization did not disclose the subordination recording fee of $66 as a prepaid finance charge.
7311	18600337	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
7312	18600338	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7313	18600339	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7314	18600340	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7315	18600341	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7316	18600342	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7317	18600343	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7318	18600344	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7319	18600345	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7320	18600346	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7321	18600347	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
7322	18600348	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
7323	18600349	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
7324	18600350	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
7325	18600369	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7326	18600370	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7327	18600371	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7328	18600372	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7329	18600373	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final GFE Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final GFE does not match actual terms.
7330	18600374	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
7331	18600375	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
7332	18600376	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7333	18600377	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Existence of Escrow Account on Final HUD-1 Inaccurate	RESPA (2010): Existence of escrow account disclosed on Final HUD-1 does not match actual terms.
7334	18600378	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final HUD-1 Inaccurate	RESPA (2010): Loan Amount on Final HUD-1 does not match Note.
7335	18600379	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7336	18600380	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7337	18600381	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7338	18600382	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7339	18600383	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
7340	18600384	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $116,757.82 is underdisclosed from calculated Finance Charge of $117,119.72 in the amount of $361.90.	TIL itemization did not disclose a tax pick-up fee of $11.98 as a prepaid finance charge. and over disclosed a premium price credit of $350 as prepaid finance credit.
7341	18600393	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7342	18600394	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7343	18600395	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
7344	18600396	XXX	2020-03-12 17:31:28	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7345	18600397	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7346	18600398	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7347	18600399	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
7348	18600400	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
7349	18600401	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
7350	18600402	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
7351	18600403	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7352	18600404	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 1203) Without Cure	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.
7353	18600405	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
7354	18600406	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Maryland Ability to Repay Not Verified	Maryland SB270:  Borrower’s ability to repay not verified with reliable documentation.
7355	18600407	XXX	2020-01-30 10:44:13	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7356	18600408	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2012 used as disbursement date for compliance testing.
7357	18600409	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7358	18600410	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error:  Loan term on page 3 of the  final HUD was not provided.
7359	18600411	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error:  Principal, interest and MI payment on page 3 of the  final HUD was not provided.
7360	18600412	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error:  Interest rate on page 3 of the  final HUD was not provided.
7361	18600413	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error:  Loan term on page 3 of the  final HUD was not provided.
7362	18600414	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error:  Principal, interest and MI payment on page 3 of the  final HUD was not provided.
7363	18600415	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error:  Interest rate on page 3 of the  final HUD was not provided.
7364	18600416	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error: Can your interest rate rise question on page 3 of the  final HUD was not provided.
7365	18600417	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error:  Loan term on page 3 of the  final HUD was not provided.
7366	18600418	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error:  Principal, interest and MI payment on page 3 of the  final HUD was not provided.
7367	18600419	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error:  Interest rate on page 3 of the  final HUD was not provided.
7368	18600420	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error: Can your interest rate rise question on page 3 of the  final HUD was not provided.
7369	18600421	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error: Can your loan balance rise question on page 3 of the  final HUD was not provided.
7370	18600422	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error: Can your monthly payment amount owed rise question on page 3 of the  final HUD was not provided.
7371	18600423	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error: Prepayment penalty question on page 3 of the  final HUD was not provided.
7372	18600424	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error: Balloon term question on page 3 of the  final HUD was not provided.
7373	18600425	XXX	2020-01-30 10:44:13	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) HUD Error: Escrow question on page 3 of the  final HUD was not provided.
7374	18600426	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7375	18600427	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7376	18600428	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
7377	18600429	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7378	18600430	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7379	18600431	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
7380	18600432	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) With Cure	RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1
7381	18600433	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) With Cure	RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1
7382	18600434	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7383	18600435	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7384	18600436	XXX	2020-01-30 10:44:13	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2011
7385	18600437	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7386	18600438	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7387	18600439	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 4.23600% is underdisclosed from calculated APR of 4.36966% outside of 0.125% tolerance.
7388	18600440	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $77,335.35 is underdisclosed from calculated Finance Charge of $79,293.85 in the amount of $1,958.50.	Under disclosure due to Premium Price Credit in the amount of $1958.44 per the Itemization of Amount Financed.
7389	18600441	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7390	18600442	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
7391	18600443	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) Without Cure	RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
7392	18600444	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) Without Cure	RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
7393	18600453	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7394	18600454	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $252,880.15 is underdisclosed from calculated Finance Charge of $259,148.65 in the amount of $6,268.50.	Origination fee of $5503.50 and Settlement fee of $765 were not included in prepaid finance charges per TIL Itemization.
7395	18600455	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
7396	18600456	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 4.52000% is underdisclosed from calculated APR of 4.67682% outside of 0.125% tolerance.
7397	18600457	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7398	18600458	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7399	18600459	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
7400	18600460	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
7401	18600461	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
7402	18600464	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	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.
7403	18600465	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7404	18600466	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7405	18600467	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7406	18600468	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7407	18600469	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7408	18600480	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7409	18600481	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $143,814.89 is underdisclosed from calculated Finance Charge of $143,948.56 in the amount of $133.67.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
7410	18600484	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7411	18600485	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7412	18600486	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7413	18600487	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7414	18600488	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7415	18600482	XXX	2020-03-12 17:31:28	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
7416	18600483	XXX	2020-03-12 17:31:28	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7417	18600502	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7418	18600503	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
7419	18600504	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7420	18600505	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
7421	18600506	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
7422	18600507	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7423	18600508	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7424	18600509	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $112,108.76 is underdisclosed from calculated Finance Charge of $112,501.86 in the amount of $393.10.	Unable to determine under disclosure due to missing itemization of amount financed.
7425	18600510	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7426	18600511	XXX	2020-03-12 17:31:28	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2010
7427	18600514	XXX	2020-01-30 10:44:13	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7428	18600515	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7429	18600516	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
7430	18600517	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
7431	18600518	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
7432	18600519	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7433	18600520	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7434	18600521	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2010
7435	18600522	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
7436	18600523	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7437	18600526	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7438	18600527	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7439	18600528	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7440	18600529	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7441	18600533	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7442	18600534	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
7443	18600535	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
7444	18600536	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
7445	18600537	XXX	2020-01-30 10:44:13	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7446	18600542	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7447	18600543	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.
7448	18600544	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7449	18600545	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
7450	18600546	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit)	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.
7451	18600551	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7452	18600552	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $197,297.32 is underdisclosed from calculated Finance Charge of $199,327.69 in the amount of $2,030.37.	Unable to determine under disclosure due to missing the TIL itemization of amount financed.
7453	18600553	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $217,093.30 is underdisclosed from calculated Finance Charge of $218,593.31 in the amount of $1,500.01.	Unable to determine under disclosure due to missing itemization of amount financed.
7454	18600562	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7455	18600563	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7456	18600564	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7457	18600565	XXX	2020-01-30 10:44:13	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.
7458	18600566	XXX	2020-01-30 10:44:13	Compliance	Compliance	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).
7459	18600567	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
7460	18600568	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7461	18600581	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7462	18600582	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7463	18600583	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7464	18600592	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7465	18600593	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
7466	18600594	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
7467	18600598	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7468	18600599	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7469	18600600	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7470	18600601	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7471	18600602	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
7472	18600603	XXX	2020-01-30 10:44:13	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7473	18600604	XXX	2020-01-30 10:44:13	Compliance	Compliance	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.
7474	18600606	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7475	18600607	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7476	18601528	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
7477	18601529	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7478	18601530	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7479	18601531	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7480	18601532	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $136,012.24 is underdisclosed from calculated Finance Charge of $136,342.54 in the amount of $330.30.	Unable to determine under disclosure as no Itemization of Amount Financed provided.
7481	18601533	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7482	18601534	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7483	18601535	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7484	18601536	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7485	18601537	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7486	18601538	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7487	18601539	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7488	18601546	XXX	2020-03-22 17:47:29	Compliance	Compliance	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.
7489	18601547	XXX	2020-03-22 17:47:29	Compliance	Compliance	Federal Compliance	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.
7490	18601548	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7491	18601549	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7492	18601553	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7493	18601554	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7494	18601555	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7495	18601556	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7496	18601557	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7497	18601558	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7498	18601565	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7499	18601566	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7500	18601567	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7501	18601568	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7502	18601569	XXX	2020-03-12 17:31:28	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties		TIL appears to be final but not signed or dated by borrower
7503	18601570	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7504	18601571	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7505	18601572	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
7506	18601575	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7507	18601583	XXX	2020-03-12 17:31:28	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7508	18601584	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7509	18601585	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7510	18601586	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7511	18601587	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7512	18601588	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7513	18601589	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7514	18601594	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7515	18601595	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $295,352.40 is underdisclosed from calculated Finance Charge of $295,700.07 in the amount of $347.67.	Unable to determine the Underdisclosure of $347.67 as the itemization of amount financed is missing.
7516	18601601	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7517	18601602	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7518	18601603	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7519	18601607	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7520	18601608	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7521	18601609	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7522	18601610	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7523	18601611	XXX	2020-03-12 17:31:28	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7524	18601614	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7525	18601615	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7526	18601616	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7527	18601617	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
7528	18601618	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7529	18601619	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7530	18601620	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7531	18601621	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7532	18601622	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7533	18601623	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7534	18601624	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7535	18601625	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7536	18601626	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
7537	18601641	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7538	18601645	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7539	18601646	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7540	18601655	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7541	18601656	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7542	18601657	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7543	18601658	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
7544	18601659	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
7545	18601660	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7546	18601661	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7547	18601663	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7548	18601664	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7549	18601665	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	South Carolina CHL Complaint Agency Disclosure Timing Test	South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.
7550	18601667	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Closing / Title	Missing Document: Security Instrument - Subject Lien not provided
7551	18601668	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7552	18601669	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7553	18601670	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7554	18601671	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7555	18601672	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7556	18601675	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7557	18601676	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7558	18601677	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7559	18601681	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7560	18601682	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7561	18601700	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7562	18601701	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7563	18601702	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7564	18601703	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7565	18601707	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7566	18601708	XXX	2020-03-12 17:31:28	Compliance	Compliance	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.
7567	18601709	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7568	18601710	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7569	18601720	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7570	18601721	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)	Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.
7571	18601722	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Colorado Home Loan (Ability to Repay not Verified)	Colorado Home Loan (HB1322):  Borrower’s ability to repay not verified with reliable documentation.
7572	18601723	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Colorado Home Loan (Tangible Net Benefit Disclosure Not Provided)	Colorado Home Loan (HB1322):  Loan file does not contain a Tangible Net Benefit Disclosure (or similar document).
7573	18601724	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7574	18601725	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7575	18601726	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7576	18601727	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7577	18601728	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7578	18601729	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7579	18601730	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
7580	18601731	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7581	18601735	XXX	2020-03-12 17:31:28	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7582	18601736	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7583	18601763	XXX	2020-03-12 17:31:28	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7584	18601764	XXX	2020-03-12 17:31:28	Compliance	Compliance	Federal Compliance	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.
7585	18601775	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7586	18601776	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7587	18601777	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7588	18601781	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7589	18601796	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7590	18601797	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7591	18601798	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7592	18601799	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7593	18601800	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7594	18601801	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7595	18601802	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7596	18601803	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7597	18601804	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
7598	18601805	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7599	18601806	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7600	18601807	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7601	18601808	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
7602	18601817	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7603	18601818	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $539,269.07 is underdisclosed from calculated Finance Charge of $539,305.47 in the amount of $36.40.	Under disclosure due to TIL payment stream PMI drop off of at 107 months and Actual payment Stream drop off at 108 months.
7604	18601819	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7605	18601820	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7606	18601821	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7607	18601822	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7608	18601823	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7609	18601824	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
7610	18601825	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7611	18601826	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7612	18601827	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
7613	18601828	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7614	18601829	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7615	18601830	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7616	18601831	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7617	18601832	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7618	18601833	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7619	18601834	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7620	18601835	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7621	18601841	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7622	18601882	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7623	18601883	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7624	18601884	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
7625	18601885	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7626	18601886	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7627	18601887	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7628	18601888	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7629	18601889	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7630	18601890	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7631	18601891	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7632	18601892	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7633	18601893	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7634	18601894	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7635	18601896	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $409,132.39 is underdisclosed from calculated Finance Charge of $409,510.50 in the amount of $378.11.	Underdisclosure is due to MI Reserve payment of 2 months not being excluded from payment stream  Seller is paying Reserve so it is not calculating correctly.
7636	18601905	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
7637	18601906	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
7638	18601907	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7639	18601929	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7640	18601930	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $236,188.12 is underdisclosed from calculated Finance Charge of $236,251.13 in the amount of $63.01.	TIL underdisclosure due to verification fee of $13.00 and wire fee of $50.00 not disclosed as prepaid finance charges.
7641	18601933	XXX	2020-03-22 17:47:29	Compliance	Compliance	Federal Compliance	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.
7642	18601934	XXX	2020-03-22 17:47:29	Compliance	Compliance	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.
7643	18601935	XXX	2020-03-22 17:47:29	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $670,807.84 is underdisclosed from calculated Finance Charge of $672,906.96 in the amount of $2,099.12.	Final TIL disclosed MI dropping off after 240 months, however the calculated TIL reflects MI dropping off after 289 months.
7644	18601936	XXX	2020-03-22 17:47:29	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7645	18601940	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7646	18601941	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7647	18601942	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7648	18601943	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7649	18601944	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7650	18601945	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.	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.
7651	18601946	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	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.
7652	18601950	XXX	2020-03-31 12:31:58	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7653	18601956	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7654	18601957	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
7655	18601958	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7656	18601959	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7657	18601960	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
7658	18601961	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7659	18601962	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7660	18601963	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7661	18601964	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
7662	18601965	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7663	18601966	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7664	18601967	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7665	18601973	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
7666	18601974	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7667	18601975	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7668	18601976	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7669	18601977	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7670	18601978	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2004
7671	18601979	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7672	18601980	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
7673	18601981	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7674	18601982	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7675	18601983	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7676	18601984	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7677	18601986	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7678	18601987	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7679	18601988	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7680	18601989	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7681	18601990	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
7682	18601991	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7683	18601992	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7684	18601993	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7685	18601994	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7686	18601995	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7687	18601996	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7688	18601997	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7689	18602004	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
7690	18602005	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7691	18602006	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7692	18602007	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7693	18602008	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7694	18602009	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7695	18602012	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7696	18602013	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
7697	18602014	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7698	18602015	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7699	18602016	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7700	18602017	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7701	18602018	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7702	18602019	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7703	18602020	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7704	18602021	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7705	18602022	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7706	18602024	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7707	18602025	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7708	18602026	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $519,696.53 is underdisclosed from calculated Finance Charge of $519,769.82 in the amount of $73.29.	Unable to determine cause of underdisclosure due to missing Itemization of Amount Financed.
7709	18602027	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7710	18602057	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7711	18602058	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7712	18602059	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
7713	18602060	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7714	18602061	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7715	18602062	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7716	18602063	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7717	18602064	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7718	18602065	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7719	18602071	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7720	18602072	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7721	18602073	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7722	18602074	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7723	18602075	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7724	18602076	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7725	18602077	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7726	18602078	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7727	18602079	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7728	18602093	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7729	18602094	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7730	18602095	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7731	18602109	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
7732	18602110	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7733	18602111	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7734	18602112	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7735	18602113	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $5,962.50, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.
7736	18602114	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7737	18602117	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7738	18602118	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7739	18602119	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7740	18602120	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
7741	18602121	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7742	18602122	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7743	18602123	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7744	18602124	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7745	18602125	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7746	18602126	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7747	18602127	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7748	18602128	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7749	18602129	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7750	18602130	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7751	18602131	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7752	18602135	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7753	18602136	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $366,470.98 is underdisclosed from calculated Finance Charge of $367,175.06 in the amount of $704.08.	Unable to determine reason for under disclosure due to missing itemization of amount financed; however, it appears to be all fees paid by borrower.
7754	18602138	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7755	18602139	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7756	18602140	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7757	18602141	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7758	18602142	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
7759	18602147	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
7760	18602148	XXX	2020-02-05 14:47:14	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
7761	18602149	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7762	18602150	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7763	18602151	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7764	18602152	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7765	18602153	XXX	2020-02-05 14:47:14	Compliance	Compliance	State Compliance	Georgia Home Loan (Arbitration Clause)	Georgia Home Loan: Mortgage loan contains an unfair or oppressive arbitration clause.
7766	18602154	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7767	18602155	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7768	18602156	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7769	18602157	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7770	18602158	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
7771	18602159	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7772	18602160	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7773	18602161	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
7774	18602162	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7775	18602189	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7776	18602190	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7777	18602191	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7778	18602194	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $408,293.95 is underdisclosed from calculated Finance Charge of $408,740.74 in the amount of $446.79.	It appears that the under disclosure is due to the following fees not being included in the Final TIL itemization that were charged on the Final HUD: Appraisal, Credit, Settlement, Exam, Lender's, Courier, Release Tracking.
7779	18602205	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7780	18602206	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7781	18602207	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7782	18602208	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received
7783	18602209	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
7784	18602210	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7785	18602211	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
7786	18602212	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7787	18602213	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	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.
7788	18602214	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
7789	18602219	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7790	18602220	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7791	18602226	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7792	18602227	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7793	18602230	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
7794	18602231	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7795	18602232	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7796	18602233	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
7797	18602234	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7798	18602235	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7799	18602236	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7800	18602237	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7801	18602238	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7802	18602239	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7803	18602240	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7804	18602241	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7805	18602242	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7806	18602243	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7807	18602244	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
7808	18602245	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7809	18602246	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7810	18602247	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7811	18602248	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7812	18602249	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7813	18602250	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7814	18602252	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7815	18602253	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
7816	18602254	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
7817	18602255	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Purchase Agreement / Sales Contract not provided
7818	18602256	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7819	18602257	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7820	18602258	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
7821	18602259	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
7822	18602260	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7823	18602273	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7824	18602275	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7825	18602277	XXX	2020-02-13 11:26:48	Compliance	Compliance	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).
7826	18602278	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
7827	18602279	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $299,751.87 is underdisclosed from calculated Finance Charge of $299,791.37 in the amount of $39.50.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
7828	18602280	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7829	18602261	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7830	18602262	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
7831	18602263	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7832	18602264	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7833	18602265	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7834	18602266	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7835	18602267	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7836	18602268	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7837	18602269	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7838	18602270	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7839	18602281	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7840	18602282	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7841	18602283	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7842	18602284	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7843	18604138	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
7844	18604139	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
7845	18604144	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7846	18604145	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7847	18604146	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
7848	18604147	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7849	18604148	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7850	18604149	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7851	18604150	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
7852	18604151	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7853	18604152	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7854	18604153	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $433,164.84 is underdisclosed from calculated Finance Charge of $433,399.84 in the amount of $235.00.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
7855	18604154	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7856	18604155	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7857	18604156	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $283,835.74 is underdisclosed from calculated Finance Charge of $284,061.56 in the amount of $225.82.	TIL Itemization did not disclose the closing protection letter fee of $35, the email fee of $50, the tax cert fee of $104.60 and the courier fee of $15.50 as prepaid finance charges.
7858	18604157	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7859	18604162	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
7860	18604163	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $329,378.17 is underdisclosed from calculated Finance Charge of $329,644.34 in the amount of $266.17.	Discrepancy in disclosure is due to the lender’s TIL reflecting MI being in force for 180 months,  however based on the loan amount and appraised value the MI would be in force for 202 months.
7861	18604164	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
7862	18604165	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
7863	18604172	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7864	18604173	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7865	18604174	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7866	18604175	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
7867	18604176	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7868	18604177	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7869	18604178	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7870	18604181	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7871	18604182	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7872	18604183	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7873	18604184	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7874	18604185	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7875	18604213	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2007
7876	18604214	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7877	18604215	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7878	18604216	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7879	18604218	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7880	18604219	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
7881	18604220	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7882	18604221	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7883	18604222	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7884	18604223	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7885	18604224	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7886	18604227	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7887	18604228	XXX	2020-02-05 14:47:14	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7888	18604235	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7889	18604237	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7890	18604238	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7891	18604239	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $299,961.66 is underdisclosed from calculated Finance Charge of $300,086.25 in the amount of $124.59.	Unable to determine under disclosure due to missing itemization of amount financed.
7892	18604253	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7893	18604254	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
7894	18604255	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
7895	18604256	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
7896	18604257	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7897	18604258	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7898	18604259	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
7899	18604260	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7900	18604261	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7901	18604262	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
7902	18604263	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7903	18604264	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7904	18604265	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
7905	18604266	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7906	18604267	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7907	18604268	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7908	18604269	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7909	18604270	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7910	18604271	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7911	18604277	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7912	18604285	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7913	18604286	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7914	18604287	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
7915	18604291	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7916	18604292	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7917	18604293	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7918	18604294	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7919	18604295	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7920	18604296	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
7921	18604297	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
7922	18604298	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Purchase Agreement / Sales Contract not provided
7923	18604305	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7924	18604306	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
7925	18604307	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7926	18604308	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7927	18604309	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7928	18604310	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7929	18604311	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7930	18604312	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7931	18604314	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7932	18604315	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7933	18604316	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7934	18604317	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7935	18604318	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7936	18604319	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7937	18604320	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7938	18604321	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7939	18604322	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7940	18604327	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $300,648.07 is underdisclosed from calculated Finance Charge of $301,612.36 in the amount of $964.29.	Unable to determine under disclosure due to lack of Itemization of Amount Financed.
7941	18604334	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7942	18604336	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7943	18604337	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7944	18604330	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7945	18604331	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
7946	18604332	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7947	18604333	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7948	18604335	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7949	18604338	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7950	18604339	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7951	18604340	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7952	18604341	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
7953	18604351	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7954	18604352	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
7955	18604353	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7956	18604354	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7957	18604355	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7958	18604358	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7959	18604367	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7960	18604368	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7961	18604369	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
7962	18604370	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7963	18604371	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
7964	18604372	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7965	18604373	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7966	18604374	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7967	18604382	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7968	18604383	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $297,242.01 is underdisclosed from calculated Finance Charge of $297,332.02 in the amount of $90.01.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
7969	18604384	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7970	18604385	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7971	18604386	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7972	18604400	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7973	18604405	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7974	18604406	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $582,934.10 is underdisclosed from calculated Finance Charge of $583,012.49 in the amount of $78.39.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
7975	18604407	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7976	18604408	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
7977	18604409	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	Unable to determine if loan file contains CHARM Booklet due to missing information.
7978	18604410	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
7979	18604411	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7980	18604420	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
7981	18604421	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $375,731.09 is underdisclosed from calculated Finance Charge of $375,945.70 in the amount of $214.61.	Final TIL disclosed MI dropping off after 180 months, however the calculated TIL reflects MI dropping off after 208 months.
7982	18604436	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7983	18604437	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
7984	18604445	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7985	18604446	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7986	18604447	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
7987	18604448	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)	Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.
7988	18604458	XXX	2020-03-29 18:48:29	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
7989	18604464	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7990	18604465	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
7991	18604475	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
7992	18604476	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7993	18604477	XXX	2020-02-05 14:47:14	Compliance	Property - Appraisal	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.
7994	18604478	XXX	2020-02-05 14:47:14	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
7995	18604480	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
7996	18604481	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
7997	18604482	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7998	18604483	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
7999	18604484	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
8000	18604485	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
8001	18604486	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8002	18604487	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8003	18604488	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8004	18604489	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8005	18604494	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8006	18604495	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8007	18604496	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8008	18604497	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8009	18604498	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8010	18604499	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8011	18604505	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8012	18604506	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8013	18604507	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8014	18604508	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8015	18604509	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8016	18604511	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
8017	18604517	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8018	18604519	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
8019	18604513	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8020	18604516	XXX	2020-02-13 11:26:48	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8021	18604518	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8022	18604520	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
8023	18604522	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8024	18604523	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8025	18604526	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8026	18604527	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8027	18604537	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8028	18604545	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8029	18604546	XXX	2020-02-13 11:26:48	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8030	18604547	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8031	18604548	XXX	2020-02-13 11:26:48	Compliance	Compliance	State Compliance	Virginia Prepayment Penalty	Virginia Prepayment Penalty: Maximum calculated prepay of $8,320.00 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $5,200.00.	PPP Expired. Prepayment charge not allowed per state (VA) - max prepayment charge for Fixed loan is 2% - note states 4%. Lender is XXX.
8032	18604562	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8033	18604563	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8034	18604564	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8035	18604566	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8036	18604567	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8037	18604568	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8038	18604569	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8039	18604573	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8040	18604574	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8041	18604575	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8042	18604582	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8043	18604583	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8044	18604584	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8045	18604585	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8046	18604586	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8047	18604593	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8048	18604620	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8049	18604621	XXX	2020-02-05 14:47:14	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8050	18604622	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
8051	18604623	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
8052	18604624	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
8053	18604631	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8054	18604632	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8055	18604633	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
8056	18604634	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
8057	18604635	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8058	18604636	XXX	2020-02-05 14:47:14	Compliance	Compliance	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.
8059	18604637	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8060	18604638	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
8061	18604639	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8062	18604640	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8063	18604641	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8064	18604642	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8065	18604645	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8066	18604646	XXX	2020-02-05 14:47:14	Compliance	Compliance	Federal Compliance	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.
8067	18604647	XXX	2020-02-05 14:47:14	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8068	18604649	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8069	18604650	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
8070	18604656	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8071	18604657	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8072	18604658	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $316,869.45 is underdisclosed from calculated Finance Charge of $316,989.62 in the amount of $120.17.	Unable to determine under disclosure, due to missing itemization of amount financed.
8073	18604659	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8074	18604660	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
8075	18604661	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8076	18604673	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8077	18604674	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8078	18604678	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8079	18604679	XXX	2020-02-20 15:26:01	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8080	18604680	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8081	18604681	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
8082	18604684	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8083	18604685	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8084	18604686	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8085	18604687	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8086	18604688	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8087	18604689	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8088	18604690	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8089	18604691	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8090	18604692	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8091	18604693	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8092	18604694	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $321,649.79 is underdisclosed from calculated Finance Charge of $321,781.00 in the amount of $131.21.	Payment stream under disclosure is due to the lender's TIL reflecting MI being in force for 111 months, however based on the loan amount and appraised value the MI would be in force for 112 months. Fee under disclosure is due to the TIL itemization disclosing Prepaid Interest of $42.16 which is not reflected on the HUD-1 and the TIL itemization did not disclose a Recording Fee of $48 as prepaid finance charge.
8093	18604695	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8094	18604696	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8095	18604697	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8096	18604698	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8097	18604699	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $457,737.82 is underdisclosed from calculated Finance Charge of $458,058.04 in the amount of $320.22.	TIL Itemization does not disclose Settlement Fee of $200.00, Title Courier Fee of $85.00, or Wire Fee of $35.00 as Prepaid Finance Charges.
8098	18604700	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8099	18604701	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8100	18604702	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8101	18604703	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
8102	18604704	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8103	18604725	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8104	18604726	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8105	18604727	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8106	18604728	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8107	18604729	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8108	18604730	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8109	18604731	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8110	18604732	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8111	18604733	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8112	18604734	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8113	18604737	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8114	18604738	XXX	2020-03-20 10:27:40	Compliance	Compliance	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
8115	18604739	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $276,835.94 is underdisclosed from calculated Finance Charge of $276,874.32 in the amount of $38.38.	Unable to determine under disclosure due to missing the TIL itemization of amount financed.
8116	18604740	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8117	18604741	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
8118	18604744	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8119	18604745	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8120	18604746	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8121	18604747	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8122	18604748	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8123	18604749	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $319,526.55 is underdisclosed from calculated Finance Charge of $320,157.80 in the amount of $631.25.	TIL Itemization did not disclose the flood cert of $5, Origination fee of $489.50 or the Settlement fee of $375 as prepaid finance charges.
8124	18604753	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8125	18604752	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $537,474.45 is underdisclosed from calculated Finance Charge of $537,751.67 in the amount of $277.22.	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 166 months.
8126	18604754	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8127	18604755	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8128	18604756	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8129	18604757	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8130	18604758	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8131	18604759	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8132	18604761	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8133	18604762	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8134	18604763	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8135	18604764	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8136	18604765	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8137	18604769	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8138	18604770	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $415,750.99 is underdisclosed from calculated Finance Charge of $415,941.83 in the amount of $190.84.	Itemization of Amount Financed does not include the $226.80 in Mortgage Insurance in Prepaid Finance Charge.
8139	18604771	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8140	18604772	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8141	18604773	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8142	18604774	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8143	18604775	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8144	18604776	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8145	18604777	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8146	18604778	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8147	18604781	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8148	18604782	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8149	18604783	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8150	18604784	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8151	18606707	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8152	18606720	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8153	18606721	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8154	18606737	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8155	18606738	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
8156	18606739	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8157	18606740	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8158	18606753	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8159	18606754	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8160	18606755	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8161	18606756	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
8162	18606776	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8163	18606782	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8164	18606783	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $356,205.61 is underdisclosed from calculated Finance Charge of $356,263.36 in the amount of $57.75.	TIL itemization did not disclose a Tax Service Fee of $69 as prepaid finance charge.
8165	18606784	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8166	18606785	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8167	18606786	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8168	18606787	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	Missing Document: HUD-1 Addendum not provided
8169	18606792	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
8170	18606797	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8171	18606798	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
8172	18606800	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
8173	18606806	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8174	18606807	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8175	18606808	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8176	18606809	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8177	18606819	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8178	18606820	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8179	18606821	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8180	18606822	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8181	18606823	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8182	18606824	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8183	18606825	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8184	18606826	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8185	18606827	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8186	18606828	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8187	18606831	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8188	18606832	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8189	18606845	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8190	18606846	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8191	18606859	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8192	18606860	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
8193	18606861	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
8194	18606865	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8195	18606866	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8196	18606867	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $147,233.55 is underdisclosed from calculated Finance Charge of $147,290.27 in the amount of $56.72.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
8197	18606868	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
8198	18606869	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8199	18606873	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8200	18606874	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $353,717.30 is underdisclosed from calculated Finance Charge of $353,852.01 in the amount of $134.71.	TIL itemization did not disclose a Record Non-ID Affidavit of $18.50 or a Document Imaging fee of $50.00 nor a Title Courier fee of $75.00 nor a Wire fee of $35.00 as prepaid finance charges.
8201	18606875	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8202	18606878	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8203	18606879	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8204	18606880	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8205	18606881	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
8206	18606887	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8207	18606888	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8208	18606890	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8209	18606891	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8210	18606892	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Massachusetts Late Charge Percent Testing	Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.
8211	18606893	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8212	18606894	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8213	18606895	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8214	18606896	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8215	18606897	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8216	18606898	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8217	18606899	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8218	18606905	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8219	18606906	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $426,794.15 is underdisclosed from calculated Finance Charge of $426,834.30 in the amount of $40.15.	TIL itemization did not disclose a notice of settlement fee of $40 as prepaid finance charge
8220	18606907	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8221	18606908	XXX	2020-03-31 19:48:06	Compliance	Compliance	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
8222	18606909	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
8223	18606910	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8224	18606916	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8225	18606917	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8226	18606918	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
8227	18606919	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8228	18606920	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8229	18606921	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
8230	18606922	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8231	18606923	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8232	18606924	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8233	18606925	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8234	18606926	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8235	18606927	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8236	18606928	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL APR Under/Over Disclosed By Greater Than 0.125%	Truth In Lending Act:  Final TIL APR of 6.50000% is underdisclosed from calculated APR of 6.65234% outside of 0.125% tolerance.
8237	18606929	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $321,413.27 is underdisclosed from calculated Finance Charge of $326,089.20 in the amount of $4,675.93.	Under disclosure due to TIL itemization reflects $4980.41 lump sum seller closing cost credit that cannot be applied to finance charges without a breakdown of the fees covered by the credit.
8238	18606930	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
8239	18606931	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
8240	18606932	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8241	18606933	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8242	18606934	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $182,217.04 is underdisclosed from calculated Finance Charge of $182,481.67 in the amount of $264.63.	TIL Itemization finance charge calculation does not include $579.75 discount fee.  TIL Itemization does indicate $154.62 in prepaid interest with page one of HUD reflecting one day prepaid interest credit.  Additionally, TIL Itemization  unnecessarily includes $135 title examination, which is not reflected on HUD.
8243	18606938	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8244	18606939	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8245	18606943	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8246	18606944	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8247	18606959	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8248	18606960	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8249	18606984	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8250	18606985	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8251	18606986	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8252	18606987	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8253	18606988	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
8254	18606989	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8255	18606990	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8256	18606991	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
8257	18606992	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8258	18606993	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8259	18606994	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8260	18606995	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8261	18606996	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8262	18606997	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8263	18606998	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8264	18606999	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8265	18607000	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8266	18607001	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8267	18607002	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8268	18607003	XXX	2020-02-13 11:26:48	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8269	18607004	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
8270	18607005	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8271	18607006	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8272	18607007	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8273	18607008	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8274	18607009	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
8275	18607010	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8276	18607011	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8277	18607012	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8278	18607013	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8279	18607014	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8280	18607015	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8281	18607016	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8282	18607017	XXX	2020-03-31 19:48:06	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
8283	18607018	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8284	18607019	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8285	18607020	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
8286	18607021	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8287	18607022	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8288	18607023	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8289	18607024	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8290	18607025	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8291	18607026	XXX	2020-03-31 19:48:06	Compliance	Compliance	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).
8292	18607032	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8293	18607033	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8294	18607034	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8295	18607035	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Desk Review / Valuation Report Date: XX/XX/2005
8296	18607036	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
8297	18607043	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8298	18607044	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8299	18607048	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8300	18607050	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8301	18607051	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8302	18607052	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8303	18607053	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8304	18607054	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8305	18607055	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8306	18607062	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8307	18607063	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8308	18607064	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8309	18607065	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8310	18607075	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8311	18607076	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8312	18607077	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8313	18607078	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8314	18607079	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
8315	18607080	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8316	18607086	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8317	18607087	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8318	18607088	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
8319	18607089	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8320	18607090	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8321	18607091	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $116,413.35 is underdisclosed from calculated Finance Charge of $116,485.99 in the amount of $72.64.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
8322	18607096	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8323	18607097	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8324	18607101	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8325	18607102	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8326	18607103	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8327	18607104	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8328	18607119	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8329	18607120	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8330	18607121	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8331	18607122	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8332	18607123	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
8333	18607134	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8334	18607135	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8335	18607136	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8336	18607137	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $340,365.41 is underdisclosed from calculated Finance Charge of $340,535.44 in the amount of $170.03.	Unable to determine under disclosure due to missing itemization of amount financed.
8337	18607153	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8338	18607154	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8339	18607155	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8340	18607156	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8341	18607157	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8342	18607158	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8343	18607159	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8344	18607160	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8345	18607161	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8346	18607162	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8347	18607163	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8348	18607171	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8349	18607172	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
8350	18607173	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8351	18607174	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8352	18607175	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
8353	18607177	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8354	18607178	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8355	18607179	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8356	18607180	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8357	18607181	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8358	18607182	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8359	18607183	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8360	18607184	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8361	18607185	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8362	18607186	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8363	18607187	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8364	18607188	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8365	18607193	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8366	18607194	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8367	18607196	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8368	18607198	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8369	18607199	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $154,985.83 is underdisclosed from calculated Finance Charge of $155,035.82 in the amount of $49.99.	TIL itemization did not disclose a courier fee of $30 and a wire fee of $20 as prepaid finance charge.
8370	18607200	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8371	18607201	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8372	18607202	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8373	18607203	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8374	18607204	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8375	18607205	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TIL APR Tolerance Irregular Transaction	Truth In Lending Act:  Final TIL APR of 5.32400% is underdisclosed from calculated APR of 5.76881% outside of 0.125% tolerance.
8376	18607206	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $203,426.87 is underdisclosed from calculated Finance Charge of $229,682.31 in the amount of $26,255.44.	The lender used a lower index then available in the look back period.
8377	18607207	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8378	18607208	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8379	18607209	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $153,487.33 is underdisclosed from calculated Finance Charge of $153,627.17 in the amount of $139.84.	TIL itemization did not disclose courier fees of $80, wire fee of $25 and scanning fee of $35 as prepaid finance charges.
8380	18607210	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8381	18607211	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8382	18607212	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8383	18607213	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8384	18607214	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8385	18607215	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8386	18607216	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8387	18607217	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8388	18607218	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8389	18607219	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8390	18607224	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8391	18607225	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8392	18607226	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8393	18607227	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8394	18607228	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $251,819.01 is underdisclosed from calculated Finance Charge of $258,171.92 in the amount of $6,352.91.	It appears a lower Index was used at origination than the 2.94% Index available within the look-back period.
8395	18607230	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8396	18607231	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8397	18607232	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $194,076.40 is underdisclosed from calculated Finance Charge of $194,207.47 in the amount of $131.07.	Unable to determine reason for under disclosure due to missing itemization of amount financed.
8398	18607233	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8399	18607234	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8400	18607235	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8401	18607236	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8402	18607237	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8403	18607238	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8404	18607239	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8405	18607240	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8406	18607241	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8407	18607242	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8408	18607243	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8409	18607244	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8410	18607245	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8411	18607246	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
8412	18607248	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8413	18607249	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8414	18607252	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8415	18607253	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8416	18607254	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8417	18607255	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8418	18607256	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8419	18607258	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8420	18607259	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8421	18607260	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8422	18607262	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8423	18607263	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8424	18607282	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8425	18607285	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8426	18607286	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8427	18607287	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8428	18607288	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8429	18607289	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8430	18607290	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8431	18607298	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8432	18607299	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8433	18607300	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8434	18607301	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8435	18607305	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8436	18607306	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8437	18607307	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8438	18607313	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8439	18607314	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
8440	18607315	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8441	18607316	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
8442	18607317	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8443	18607318	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8444	18607319	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
8445	18607320	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8446	18607321	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8447	18607322	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8448	18607323	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8449	18607324	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
8450	18607325	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8451	18607326	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8452	18607327	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8453	18607328	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8454	18607329	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8455	18607330	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8456	18607331	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8457	18607332	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8458	18607333	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8459	18607334	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8460	18607335	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
8461	18607336	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
8462	18607337	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8463	18607338	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8464	18607339	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8465	18607340	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8466	18607346	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8467	18607347	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8468	18607348	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8469	18607349	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
8470	18607350	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
8471	18607351	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $141,860.78 is underdisclosed from calculated Finance Charge of $142,007.54 in the amount of $146.76.	The Itemization of Amount Financed does not include Special Tax $50.00, Tax Service Fee (Life of Loan) $72.00, Flood Cert Fee $15 and Title Courier/Messenger Fee $15.00 as prepaid finance charges.  The Lender also included the Credit Report Fee of $4.80 as a prepaid finance charge.
8472	18607352	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8473	18607353	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8474	18609004	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8475	18609005	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8476	18609006	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8477	18609007	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8478	18609008	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8479	18609009	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
8480	18609010	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $108,434.15 is underdisclosed from calculated Finance Charge of $108,523.32 in the amount of $89.17.	TIL itemization did not disclose a title courier fee of $50 and a $15 wire fee as prepaid finance charges.
8481	18609011	XXX	2020-04-06 09:20:18	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8482	18609012	XXX	2020-04-06 09:20:18	Compliance	Compliance	Federal Compliance	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.
8483	18609013	XXX	2020-04-06 09:20:18	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8484	18609014	XXX	2020-04-06 09:20:18	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8485	18609015	XXX	2020-04-06 09:20:18	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8486	18609016	XXX	2020-04-06 09:20:18	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8487	18609031	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $110,247.80 is underdisclosed from calculated Finance Charge of $110,721.90 in the amount of $474.10.	The Lender's TIL reflects MI dropping off after 143 months, however, the audited TIL indicates MI should drop off after 145 months. TIL itemization also did not reflect a Closing Protection Letter in the amount of $35 as prepaid finance charges.
8488	18609168	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8489	18609177	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8490	18609178	XXX	2020-02-13 11:26:48	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8491	18609179	XXX	2020-02-13 11:26:48	Compliance	Property - Appraisal	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.
8492	18609180	XXX	2020-02-13 11:26:48	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8493	18609181	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8494	18609182	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
8495	18609183	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Disbursement Date Missing	Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/1998 used as disbursement date for compliance testing.
8496	18609184	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8497	18609185	XXX	2020-02-13 11:26:48	Compliance	Compliance	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/1998 which is 1 months prior to consummation.  A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
8498	18609186	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8499	18609187	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8500	18609198	XXX	2020-03-05 11:35:15	Compliance	Compliance	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
8501	18609199	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $37,111.44 is underdisclosed from calculated Finance Charge of $37,261.60 in the amount of $150.16.	TIL Itemization did not disclose Subordination Fees of $150 as prepaid finance charges.
8502	18609200	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8503	18609201	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) With Cure	RESPA (2010): 0% tolerance violation for 802 fee with evidence of cure provided on Final HUD-1
8504	18609202	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) With Cure	RESPA (2010): 0% tolerance violation for 803 fee with evidence of cure provided on Final HUD-1
8505	18609206	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $97,043.60 is underdisclosed from calculated Finance Charge of $97,275.12 in the amount of $231.52.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
8506	18609212	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8507	18609213	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.
8508	18609214	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not NMLS licensed or registered at time of application.
8509	18609215	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8510	18609216	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8511	18609217	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
8512	18609218	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
8513	18609251	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8514	18609255	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8515	18609256	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
8516	18609257	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
8517	18609258	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
8518	18609259	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8519	18609252	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
8520	18609253	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8521	18609254	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $41,493.08 is underdisclosed from calculated Finance Charge of $41,624.17 in the amount of $131.09.	TIL Itemization only disclosed origination charges in the amount of $1,225.90 and final HUD reflects $1305.10
8522	18609260	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8523	18609261	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $168,343.54 is underdisclosed from calculated Finance Charge of $168,699.39 in the amount of $355.85.	Itemization of amount financed did not reflect the origination charge as a prepaid finance charge.
8524	18609262	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
8525	18609263	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8526	18609264	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8527	18609265	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	Unable to determine Servicing Disclosure Statement was provided due to missing information.
8528	18609273	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2013
8529	18609274	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8530	18609275	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8531	18609277	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
8532	18609278	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
8533	18609276	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8534	18609292	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8535	18609293	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
8536	18609294	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
8537	18609295	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8538	18609296	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $87,991.55 is underdisclosed from calculated Finance Charge of $88,126.79 in the amount of $135.24.	Unable to verify due to missing Itemization of Amount Financed.
8539	18609297	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company not licensed at time of application	Unable to test LO company NMLS license due to missing information.
8540	18609298	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
8541	18609299	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
8542	18609300	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - LO Company NMLS license status not approved	Unable to test LO company status due to missing information.
8543	18609301	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS does not match NMLS	Unable to test Individual Loan Originator NMLSR status due to missing information.
8544	18609302	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8545	18609335	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
8546	18609336	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8547	18609337	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
8548	18609338	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
8549	18609339	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8550	18609340	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Unable to test Individual Loan Originator license status due to missing information.
8551	18609341	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO not licensed at time of application	Unable to test Loan Originator license due to missing information.
8552	18609342	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
8553	18609343	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8554	18609344	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8555	18609345	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8556	18609346	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
8557	18609347	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
8558	18609348	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8559	18609349	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8560	18609350	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
8561	18609351	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
8562	18609361	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
8563	18609362	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8564	18609363	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8565	18609364	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8566	18609365	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) Without Cure	RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
8567	18609366	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) Without Cure	RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
8568	18609367	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
8569	18609368	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
8570	18609369	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8571	18609370	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8572	18609374	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8573	18609375	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8574	18609376	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
8575	18609377	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Amount on Final GFE Inaccurate	RESPA (2010): Loan Amount on Final GFE does not match Note.
8576	18609378	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
8577	18609379	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8578	18609380	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
8579	18609381	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
8580	18609389	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
8581	18609390	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8582	18609391	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8583	18609392	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
8584	18609393	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Maryland Counseling Disclosure Not Compliant	Maryland HB1399 - Counseling disclosure not compliant per Maryland HB 1399.
8585	18609394	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Maryland Ability to Repay Not Verified	Maryland SB270:  Borrower’s ability to repay not verified with reliable documentation.
8586	18609396	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8587	18609397	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8588	18609398	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8589	18609399	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8590	18609400	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
8591	18609401	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
8592	18609402	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8593	18609403	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8594	18609404	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
8595	18609422	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2012
8596	18609423	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8597	18609424	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Not Provided Within 3 Business Days of Application	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
8598	18609425	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8599	18609426	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8600	18609427	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.
8601	18609428	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/2012, prior to three (3) business days from transaction date of XX/XX/2012.
8602	18609429	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8603	18609430	XXX	2020-02-28 08:33:33	Compliance	Compliance	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).
8604	18609431	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8605	18609432	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8606	18609433	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
8607	18609434	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 802) Without Cure	RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.
8608	18609435	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) Without Cure	RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
8609	18609436	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8610	18609437	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8611	18609438	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8612	18609439	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8613	18609440	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8614	18609441	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
8615	18609442	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account Statement Missing	RESPA: Initial escrow account statement was not provided to the borrower.
8616	18609446	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8617	18609447	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
8618	18609449	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	SAFE Act - Individual LO NMLS license status not approved	Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to conduct loan origination activities.
8619	18609450	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
8620	18609452	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8621	18609454	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8622	18609455	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8623	18609456	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8624	18609457	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
8625	18609458	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
8626	18609460	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8627	18609461	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
8628	18609462	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
8629	18609463	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8630	18609464	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
8631	18609465	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
8632	18609466	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8633	18609467	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8634	18609468	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8635	18609469	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
8636	18609470	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8637	18609471	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8638	18609472	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
8639	18609473	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
8640	18609474	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8641	18609475	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8642	18609476	XXX	2020-02-28 08:33:33	Compliance	Compliance	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
8643	18609477	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $320,120.39 is underdisclosed from calculated Finance Charge of $320,159.79 in the amount of $39.40.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
8644	18609478	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8645	18609479	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8646	18609480	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	SAFE Act - NMLS Info Not in File	Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.
8647	18609481	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8648	18609482	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
8649	18609483	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
8650	18609484	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8651	18609485	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8652	18609486	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8653	18609487	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8654	18609496	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8655	18609497	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
8656	18609498	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8657	18609499	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8658	18609500	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8659	18609507	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8660	18609508	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8661	18609509	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8662	18609514	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $153,311.43 is underdisclosed from calculated Finance Charge of $154,742.72 in the amount of $1,431.29.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
8663	18609515	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8664	18609516	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8665	18609517	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
8666	18609522	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8667	18609523	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8668	18609524	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 801) Without Cure	RESPA (2010): 0% tolerance violation for 801 fee without evidence of sufficient cure provided.
8669	18609525	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 0% Tolerance (Line 803) Without Cure	RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.
8670	18609526	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
8671	18609527	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8672	18609528	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8673	18609529	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8674	18609530	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	High Cost Indicator Test	Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file.
8675	18609531	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
8676	18609532	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8677	18609533	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8678	18609534	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
8679	18609535	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $183,863.38 is underdisclosed from calculated Finance Charge of $184,063.36 in the amount of $199.98.	TIL Itemization did not disclose the origination fee of $395 as a prepaid finance charge.
8680	18609540	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8681	18609541	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8682	18609542	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.
8683	18609543	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8684	18609544	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) – Written Service Provider List Missing	RESPA (2010):  Borrower not provided with list of service providers.
8685	18609545	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Maryland Ability to Repay Not Verified	Maryland SB270:  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, if applicable.
8686	18609546	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8687	18609547	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8688	18609548	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8689	18609549	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8690	18609550	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Loan Term on Final HUD-1 Inaccurate	RESPA (2010): Loan Term on Final HUD-1 does not match actual term on the loan.
8691	18609551	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8692	18609552	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8693	18609553	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
8694	18609554	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $270,192.96 is underdisclosed from calculated Finance Charge of $270,380.04 in the amount of $187.08.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
8695	18609555	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8696	18609556	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $255,117.25 is underdisclosed from calculated Finance Charge of $255,178.23 in the amount of $60.98.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
8697	18609557	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8698	18609558	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8699	18609559	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8700	18609571	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8701	18609572	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Not Provided Within 3 Business Days of Application	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
8702	18609573	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.
8703	18609574	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
8704	18609575	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/2010, prior to three (3) business days from transaction date of XX/XX/2010.
8705	18609579	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8706	18609580	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
8707	18609581	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8708	18609582	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8709	18609583	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8710	18609584	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/2010, prior to three (3) business days from transaction date of XX/XX/2010.
8711	18609585	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
8712	18609586	XXX	2020-02-28 08:33:33	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8713	18609587	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA (2010) -  Initial Payment on GFE Inaccurate	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
8714	18609588	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8715	18609589	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8716	18609590	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial Escrow Account statement Inaccurate	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.
8717	18609591	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8718	18609592	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $352,287.22 is underdisclosed from calculated Finance Charge of $353,499.72 in the amount of $1,212.50.	TIL Itemization did not disclose the Flood cert fee of $26, the origination fee of $640, the tax service fee of $84, the settlement fee of $375 and the courier fee of $75 as prepaid finance charges.
8719	18609593	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8720	18609594	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
8721	18609595	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8722	18609596	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8723	18609597	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8724	18609598	XXX	2020-02-28 08:33:33	Compliance	Compliance	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/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.
8725	18609599	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Missing	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
8726	18609600	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA -  Initial GFE Missing	RESPA: Initial GFE not provided to Borrower(s).
8727	18609601	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
8728	18609602	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8729	18609603	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8730	18609604	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
8731	18609605	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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 0 months prior to consummation. A lookback was performed to determine this application date.
8732	18609606	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8733	18609607	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8734	18609608	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8735	18609609	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8736	18609610	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8737	18609611	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  HUD Settlement Cost Booklet Missing	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.
8738	18609612	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8739	18609613	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
8740	18609614	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing
8741	18609615	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2010
8742	18609616	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8743	18609618	XXX	2020-02-28 08:33:33	Compliance	Property - Appraisal	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.
8744	18609619	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Servicing Disclosure:  Servicing Disclosure Statement Not Provided Within 3 Business Days of Application	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.
8745	18609620	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8746	18609621	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.
8747	18609624	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8748	18609625	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8749	18609626	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.	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 the borrower received.
8750	18609627	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
8751	18609628	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8752	18609629	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8753	18609648	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided)	Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.
8754	18609653	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8755	18609655	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8756	18609657	XXX	2020-02-28 08:33:33	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8757	18609658	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8758	18609659	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
8759	18609660	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8760	18609661	XXX	2020-03-05 11:35:15	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
8761	18609662	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
8762	18609663	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TIL-MDIA - Initial TIL Missing	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.
8763	18609664	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8764	18609665	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8765	18609680	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
8766	18609681	XXX	2020-02-20 15:26:01	Compliance	Compliance	State Compliance	Maryland Ability to Repay Not Verified	Maryland SB270:  Borrower’s ability to repay not verified with reliable documentation.
8767	18609682	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
8768	18609683	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8769	18609684	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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 0 months prior to consummation. A lookback was performed to determine this application date.
8770	18609685	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	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.
8771	18609686	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8772	18609687	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8773	18609688	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2009
8774	18609689	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
8775	18609690	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
8776	18609691	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8777	18609692	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
8778	18609693	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
8779	18609694	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
8780	18609696	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	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.
8781	18609697	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $241,337.70 is underdisclosed from calculated Finance Charge of $241,392.71 in the amount of $55.01.	Fees are under disclosed $55.01.  Itemization not provided.  Unable to verify reason for under disclosure without itemization.
8782	18609699	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
8783	18609700	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2009
8784	18609708	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
8785	18609709	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $291,099.90 is underdisclosed from calculated Finance Charge of $291,836.96 in the amount of $737.06.	Unable to determine under disclosure due to missing itemization of amount financed.
8786	18609722	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	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.
8787	18609723	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
8788	18609724	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
8789	18609725	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $236,235.65 is underdisclosed from calculated Finance Charge of $236,355.66 in the amount of $120.01.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
8790	18609726	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
8791	18609727	XXX	2020-02-20 15:26:01	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
8792	18609728	XXX	2020-02-20 15:26:01	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8793	18609729	XXX	2020-02-20 15:26:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8794	18609730	XXX	2020-02-20 15:26:01	Compliance	Property - Appraisal	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.
8795	18609731	XXX	2020-02-20 15:26:01	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8796	18609732	XXX	2020-02-20 15:26:01	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8797	18609733	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
8798	18609734	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
8799	18609735	XXX	2020-02-20 15:26:01	Compliance	Compliance	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.
8800	18609736	XXX	2020-02-20 15:26:01	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8801	18609737	XXX	2020-02-20 15:26:01	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8802	18609738	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8803	18609739	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.
8804	18609740	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8805	18609741	XXX	2020-02-13 11:26:48	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8806	18609749	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: AVM / Valuation Report Date: XX/XX/2008
8807	18609750	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8808	18609756	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
8809	18609757	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8810	18609758	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8811	18609759	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8812	18609760	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8813	18609761	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8814	18609762	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8815	18609763	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
8816	18609764	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8817	18609765	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8818	18609766	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8819	18609768	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8820	18609769	XXX	2020-02-28 08:33:33	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8821	18609771	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
8822	18609772	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8823	18609773	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
8824	18609774	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8825	18609775	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8826	18609776	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8827	18609777	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8828	18609778	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8829	18609779	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8830	18609780	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8831	18609795	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8832	18609796	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8833	18609797	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8834	18609798	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8835	18609799	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8836	18609800	XXX	2020-03-26 14:10:22	Compliance	Compliance	State Compliance	Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)	Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.
8837	18609808	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8838	18609809	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8839	18609810	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8840	18609811	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8841	18609812	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8842	18609813	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8843	18609814	XXX	2020-03-26 14:10:22	Compliance	Compliance	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 0 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.
8844	18609815	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8845	18609816	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8846	18609817	XXX	2020-03-26 14:10:22	Compliance	Compliance	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
8847	18609818	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8848	18609819	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8849	18609820	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
8850	18609821	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8851	18609822	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8852	18609823	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8853	18609824	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8854	18609825	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8855	18609826	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8856	18609827	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
8857	18609828	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8858	18609829	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8859	18609832	XXX	2020-02-13 11:26:48	Compliance	Compliance	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.
8860	18609833	XXX	2020-02-13 11:26:48	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8861	18609834	XXX	2020-02-13 11:26:48	Compliance	Compliance	Federal Compliance	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.
8862	18609843	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8863	18609844	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8864	18609845	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8865	18609846	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8866	18609847	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8867	18609860	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8868	18609861	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $124,203.64 is underdisclosed from calculated Finance Charge of $125,060.70 in the amount of $857.06.	TIL underdisclosure due to Settlement Fee $ 50, Funding Fee $ 795, MERS Fee $ 4.95 and Flood Cert Fee $ 7.00 not included as prepaid finance charges.
8869	18609862	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8870	18609863	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8871	18609864	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8872	18609865	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8873	18609866	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8874	18609867	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8875	18609868	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
8876	18609869	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8877	18609870	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
8878	18609871	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8879	18609872	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8880	18609873	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8881	18609874	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8882	18609875	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8883	18609876	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
8884	18609877	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8885	18609878	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8886	18609879	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
8887	18609880	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8888	18609881	XXX	2020-03-20 10:27:40	Compliance	Loan Package Documentation	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.
8889	18609882	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8890	18609883	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
8891	18609884	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	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 the borrower received.
8892	18609885	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8893	18609886	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8894	18609887	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8895	18609896	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8896	18609897	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
8897	18609898	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8898	18609899	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8899	18609900	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8900	18609901	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
8901	18609902	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8902	18609903	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8903	18609919	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8904	18609920	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8905	18609921	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8906	18609922	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8907	18609933	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8908	18609934	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
8909	18609935	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8910	18609937	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8911	18609938	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8912	18609939	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8913	18609940	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8914	18609941	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
8915	18609942	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8916	18609943	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
8917	18609944	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8918	18609951	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8919	18609952	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8920	18609953	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8921	18609954	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8922	18609955	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8923	18609956	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8924	18609957	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8925	18609958	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8926	18609959	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8927	18609961	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8928	18609962	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8929	18609963	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
8930	18609964	XXX	2020-04-06 10:03:54	Compliance	Compliance	Federal Compliance	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.
8931	18609965	XXX	2020-04-06 10:03:54	Compliance	Compliance	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.
8932	18609966	XXX	2020-04-06 10:03:54	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
8933	18609992	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $240,598.54 is underdisclosed from calculated Finance Charge of $240,844.43 in the amount of $245.89.	Unable to determine cause of under-disclosure due to missing itemization of amount financed.
8934	18609993	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8935	18610005	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $380,032.69 is underdisclosed from calculated Finance Charge of $380,957.93 in the amount of $925.24.	The itemization of amount financed did not include the C.O. fee of $700, email fee of $50 and courier fee of $75 as prepaid finance charges.
8936	18610006	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8937	18610007	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8938	18610008	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8939	18610009	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8940	18610010	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	North Carolina First Lien Late Charge Grace Period Testing	North Carolina Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
8941	18610011	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	North Carolina First Lien Late Charge Percent Testing	North Carolina Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 4%.
8942	18610012	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8943	18610015	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8944	18610016	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8945	18610019	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8946	18610020	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8947	18610021	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $208,175.93 is underdisclosed from calculated Finance Charge of $208,256.17 in the amount of $80.24.	Fees are under disclosed in the amount of $80.24.  Itemization does not include the following fees which were charged to the borrower on the HUD:  Email/EDoc Fee $40.00, Flood Certification (Life of Loan) $26.00, and Recording Service Fee $40.00.
8948	18610022	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8949	18610023	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
8950	18610024	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8951	18610025	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8952	18610026	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8953	18610027	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8954	18610042	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Subordination Agreement not provided
8955	18610043	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8956	18610044	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
8957	18610045	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8958	18610046	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8959	18610047	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $254,204.34 is underdisclosed from calculated Finance Charge of $258,534.47 in the amount of $4,330.13.	Unable to determine under disclosure due to missing Itemization of Amount Financed
8960	18610048	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8961	18610049	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8962	18610050	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8963	18610052	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8964	18610053	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Virginia Late Charge Percent Testing	Virginia Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
8965	18610054	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice)	Virginia Mortgage Lender and Broker Act:  Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.
8966	18610055	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Virginia Prepayment Penalty	Virginia Prepayment Penalty: Maximum calculated prepay of $6,852.90 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $3,448.00. Prepay language states prepay will not exceed maximum permitted by applicable law.
8967	18610056	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8968	18610057	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8969	18610058	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $467,604.15 is underdisclosed from calculated Finance Charge of $467,979.15 in the amount of $375.00.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
8970	18610060	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8971	18610061	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8972	18610062	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
8973	18610063	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
8974	18610064	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
8975	18610065	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8976	18610077	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8977	18610078	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $209,826.25 is underdisclosed from calculated Finance Charge of $209,939.58 in the amount of $113.33.	TIL Itemization only disclosed prepaid interest charges in the amount of $343.80 and final HUD reflects $458.40.
8978	18610082	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8979	18610083	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8980	18610086	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
8981	18610087	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8982	18610088	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
8983	18610089	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8984	18610090	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
8985	18610091	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
8986	18610092	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8987	18610093	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
8988	18610094	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $95,134.74 is underdisclosed from calculated Finance Charge of $95,322.94 in the amount of $188.20.	Unable to determine under disclosure due to missing itemization of amount financed.
8989	18610095	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
8990	18610096	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
8991	18610097	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
8992	18610106	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8993	18610107	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
8994	18610108	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
8995	18610122	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
8996	18610123	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8997	18610124	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
8998	18610125	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
8999	18610126	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9000	18610128	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9001	18610129	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
9002	18610130	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9003	18610131	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9004	18610132	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9005	18610133	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9006	18610134	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
9007	18610135	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9008	18610136	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9009	18610137	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9010	18610138	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9011	18610139	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9012	18610155	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9013	18610156	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9014	18610157	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
9015	18610158	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
9016	18610159	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9017	18610160	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9018	18610171	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
9019	18610172	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9020	18610173	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9021	18610174	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
9022	18610181	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9023	18610182	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9024	18610183	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
9025	18610184	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9026	18610185	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9027	18610186	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9028	18610187	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9029	18610188	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9030	18610189	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9031	18610190	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9032	18610195	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9033	18610204	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9034	18610205	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9035	18610206	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9036	18610207	XXX	2020-03-26 14:10:22	Compliance	Compliance	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
9037	18610208	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $170,795.33 is underdisclosed from calculated Finance Charge of $170,863.63 in the amount of $68.30.	Unable to determine under disclosure due to missing itemization of amount financed”. Appears to be fee related.
9038	18610209	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9039	18610210	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9040	18610211	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9041	18610212	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9042	18610213	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9043	18610214	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $528,188.70 is underdisclosed from calculated Finance Charge of $528,476.31 in the amount of $287.61.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
9044	18610215	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9045	18610216	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9046	18610217	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $275,549.55 is underdisclosed from calculated Finance Charge of $276,150.42 in the amount of $600.87.	Unable to determine under disclosure due to missing itemization of amount financed.
9047	18610218	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9048	18610219	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9049	18610223	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9050	18610224	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9051	18610225	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9052	18610226	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9053	18610227	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9054	18610228	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9055	18610229	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9056	18610230	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9057	18610247	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
9058	18610248	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $393,367.63 is underdisclosed from calculated Finance Charge of $393,467.36 in the amount of $99.73.	TIL itemization did not disclose a recording service fee of $100.00 as a prepaid finance charge.
9059	18610249	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9060	18610250	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9061	18610251	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9062	18610252	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9063	18610253	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9064	18610258	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $273,097.45 is underdisclosed from calculated Finance Charge of $273,502.47 in the amount of $405.02.	Review of Itemization of Amount Financed reflects that the lender did not include Recording Service Fee $380.00 in prepaid finance charges, resulting in the under disclosure of total finance charges.
9065	18610260	XXX	2020-03-20 10:27:40	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9066	18610261	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9067	18610262	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9068	18610263	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9069	18610269	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9070	18610270	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9071	18610271	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9072	18610272	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9073	18610273	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9074	18610274	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $328,636.43 is underdisclosed from calculated Finance Charge of $328,745.28 in the amount of $108.85.	Underdisclosure is payment stream related due to MIP on TIL was less than calculated.
9075	18610281	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9076	18610282	XXX	2020-03-20 10:27:40	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9077	18610283	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9078	18610284	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9079	18610285	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9080	18610286	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9081	18610287	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9082	18610288	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9083	18610289	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9084	18610290	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9085	18610291	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9086	18610292	XXX	2020-03-20 10:27:40	Compliance	Property - Appraisal	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.
9087	18610293	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9088	18610294	XXX	2020-03-18 11:06:32	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9089	18610295	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9090	18610296	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9091	18610300	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9092	18610312	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
9093	18610313	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9094	18610314	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9095	18610315	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9096	18610316	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9097	18610323	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9098	18610324	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9099	18610325	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9100	18610330	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9101	18610331	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9102	18610332	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9103	18610333	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9104	18610334	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $333,619.27 is underdisclosed from calculated Finance Charge of $333,981.78 in the amount of $362.51.	Unable to determine under disclosure due to missing itemization of amount financed.
9105	18610335	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9106	18610340	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9107	18610341	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9108	18610342	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9109	18610343	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $287,073.08 is underdisclosed from calculated Finance Charge of $288,260.53 in the amount of $1,187.45.	Itemization not provided.  Unable to determine source of under disclosure.
9110	18610344	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9111	18610356	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9112	18610357	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9113	18610358	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9114	18610359	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9115	18610360	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9116	18610364	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9117	18610365	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9118	18610366	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9119	18610367	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9120	18610368	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9121	18610372	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9122	18610373	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $512,000.85 is underdisclosed from calculated Finance Charge of $512,618.46 in the amount of $617.61.	The Lender's TIL reflects MI dropping off after 180 months, however, the audited TIL indicates MI should drop off after 195 months
9123	18610383	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9124	18610386	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9125	18610387	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9126	18610388	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9127	18610389	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9128	18610390	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9129	18610391	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9130	18610392	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9131	18610393	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9132	18610394	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9133	18610395	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9134	18610396	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9135	18610397	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
9136	18610398	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9137	18610399	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9138	18610405	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9139	18610406	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9140	18610407	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9141	18610408	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9142	18610420	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
9143	18610421	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9144	18610422	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9145	18610423	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9146	18610424	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9147	18610425	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9148	18610434	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
9149	18610435	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9150	18610438	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9151	18610439	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9152	18610440	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9153	18610441	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9154	18610442	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9155	18610443	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9156	18610444	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9157	18610445	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9158	18610446	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9159	18610449	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9160	18610450	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9161	18610451	XXX	2020-03-31 19:48:06	Compliance	Compliance	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
9162	18610452	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9163	18610453	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9164	18610456	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
9165	18610459	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9166	18610470	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9167	18610471	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9168	18610472	XXX	2020-03-26 14:10:22	Compliance	Compliance	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
9169	18610477	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9170	18610478	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9171	18610479	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9172	18610480	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9173	18610481	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9174	18610485	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9175	18610486	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
9176	18610487	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9177	18610488	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9178	18610489	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9179	18610490	XXX	2020-03-31 19:48:06	Compliance	Compliance	State Compliance	Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided)	Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure.
9180	18610493	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9181	18610494	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9182	18610495	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9183	18610496	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9184	18610497	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9185	18610501	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9186	18610505	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9187	18610506	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9188	18610507	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9189	18610508	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9190	18610509	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
9191	18610510	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9192	18610516	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9193	18610517	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9194	18610518	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9195	18610519	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9196	18610520	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9197	18610521	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9198	18610522	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9199	18610526	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9200	18610527	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9201	18610528	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Valuation Error: APN Number not provided.	Valuation Type: Appraisal / Valuation Report Date: XX/XX/2007
9202	18610529	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9203	18610530	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9204	18610531	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
9205	18610538	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9206	18610539	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $325,513.27 is underdisclosed from calculated Finance Charge of $325,778.28 in the amount of $265.01.	Unable to determine cause of under-disclosure due to missing itemization of amount financed.
9207	18610540	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9208	18610541	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9209	18610544	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9210	18610545	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9211	18610549	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9212	18610555	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9213	18610556	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9214	18610557	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9215	18610558	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9216	18610559	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9217	18610560	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9218	18610565	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9219	18610566	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9220	18610567	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9221	18610572	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9222	18610573	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9223	18610574	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9224	18610575	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9225	18610576	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9226	18610577	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9227	18610578	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9228	18610579	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9229	18610580	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9230	18610581	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9231	18610582	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9232	18610583	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9233	18610584	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9234	18610585	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9235	18610586	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9236	18610588	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9237	18610589	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9238	18610590	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $458,647.74 is underdisclosed from calculated Finance Charge of $459,052.17 in the amount of $404.43.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
9239	18610602	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9240	18610603	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9241	18610604	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9242	18610605	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9243	18610606	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9244	18610607	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9245	18610608	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Closing / Title	The Note has not been signed by the borrower(s).
9246	18610609	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
9247	18610610	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9248	18610611	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9249	18610614	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9250	18610615	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9251	18610616	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9252	18610617	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9253	18610618	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9254	18610619	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9255	18610620	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.
9256	18610624	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $313,235.60 is underdisclosed from calculated Finance Charge of $313,539.55 in the amount of $303.95.	TIL itemization did not disclose the Settlement fee of $250 and the Courier fee of $54 as prepaid finance charges.
9257	18610627	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9258	18610628	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9259	18610629	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9260	18610630	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9261	18610631	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9262	18610632	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9263	18610633	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9264	18610644	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9265	18610645	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9266	18610652	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9267	18610653	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9268	18610654	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9269	18610655	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9270	18610656	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9271	18610657	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9272	18610658	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9273	18610659	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9274	18610660	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
9275	18610661	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9276	18610662	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9277	18610663	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9278	18610664	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9279	18610665	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9280	18610666	XXX	2020-03-26 14:10:22	Compliance	Loan Package Documentation	Closing / Title	Missing Document: HUD-1 Addendum not provided
9281	18610667	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9282	18610668	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9283	18610669	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9284	18610670	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9285	18610684	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9286	18610685	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9287	18610686	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	Unable to determine FACTA Credit Score Disclosure was provided due to missing information.
9288	18610687	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9289	18610688	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $76,270.38 is underdisclosed from calculated Finance Charge of $76,420.33 in the amount of $149.95.	Unable to determine under disclosure due to missing itemization of amount financed.
9290	18610690	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: AVM / Valuation Report Date: XX/XX/2007
9291	18610691	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9292	18610692	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9293	18610693	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
9294	18610694	XXX	2020-03-18 11:06:32	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
9295	18610695	XXX	2020-03-29 16:43:00	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9296	18610696	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9297	18610697	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9298	18610698	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9299	18610699	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9300	18610700	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
9301	18610701	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9302	18610702	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9303	18610703	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
9304	18610704	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9305	18610705	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9306	18610706	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9307	18610707	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9308	18610708	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9309	18610709	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9310	18610710	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9311	18610711	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9312	18610712	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9313	18610724	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9314	18610725	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9315	18610726	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9316	18610727	XXX	2020-03-05 11:35:15	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9317	18610731	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9318	18610732	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9319	18610738	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9320	18610739	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9321	18610740	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9322	18610744	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9323	18610745	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9324	18610746	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9325	18610748	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9326	18610749	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $294,188.07 is underdisclosed from calculated Finance Charge of $294,266.41 in the amount of $78.34.	Unable to determine under disclosure due to missing itemization of amount financed.
9327	18610750	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9328	18610753	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9329	18610754	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9330	18610755	XXX	2020-03-05 11:35:15	Compliance	Compliance	State Compliance	Virginia Prepayment Penalty	Virginia Prepayment Penalty: Maximum calculated prepay of $10,236.50 exceeds the state maximum for owner-occupied properties of 2% of the prepaid balance $6,940.00. Prepay language states prepay will not exceed maximum permitted by applicable law.
9331	18610758	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9332	18610759	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9333	18610760	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9334	18610772	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9335	18610773	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
9336	18610774	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9337	18610775	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TIL APR Tolerance Irregular Transaction	Truth In Lending Act:  Final TIL APR of 1.00000% is underdisclosed from calculated APR of 8.78426% outside of 0.125% tolerance.
9338	18610776	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $201,583.09 is underdisclosed from calculated Finance Charge of $201,824.70 in the amount of $241.61.	Unable to determine under disclosure due to missing itemization of amount financed
9339	18610783	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9340	18610784	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9341	18610785	XXX	2020-03-26 14:10:22	Compliance	Compliance	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).
9342	18610786	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9343	18610787	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9344	18610788	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9345	18610789	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9346	18610790	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9347	18610792	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9348	18610793	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9349	18610794	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9350	18610795	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9351	18610796	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9352	18610798	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9353	18610803	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9354	18610804	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9355	18610805	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9356	18610820	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9357	18610821	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9358	18610822	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9359	18610823	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9360	18610824	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9361	18610825	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9362	18610826	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
9363	18610827	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9364	18610828	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9365	18610829	XXX	2020-03-05 11:35:15	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9366	18610835	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9367	18610836	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9368	18610837	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9369	18610838	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9370	18610839	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9371	18610840	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9372	18610841	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9373	18610842	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9374	18610843	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
9375	18610844	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9376	18610845	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9377	18610846	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
9378	18610847	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9379	18610857	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9380	18610858	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
9381	18610859	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9382	18610860	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9383	18610861	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9384	18610862	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9385	18610863	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9386	18610864	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9387	18610865	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9388	18610866	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9389	18610867	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9390	18610868	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9391	18610869	XXX	2020-03-31 19:48:06	Compliance	Compliance	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
9392	18610870	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9393	18610874	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9394	18610875	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
9395	18610876	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
9396	18610877	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9397	18610878	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9398	18610879	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9399	18610880	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9400	18610881	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9401	18610882	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9402	18610883	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9403	18610884	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9404	18610891	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9405	18610892	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9406	18610893	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9407	18610894	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9408	18610895	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9409	18610896	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9410	18610901	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
9411	18610905	XXX	2020-03-20 10:27:40	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9412	18610906	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9413	18610908	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9414	18610909	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $289,492.46 is underdisclosed from calculated Finance Charge of $289,696.68 in the amount of $204.22.	Unable to determine cause of under-disclosure due to missing itemization of amount financed.
9415	18610919	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9416	18610920	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9417	18610921	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9418	18610922	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9419	18610935	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9420	18610936	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9421	18610937	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
9422	18610938	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
9423	18610939	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9424	18610940	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9425	18610941	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9426	18610942	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $182,240.77 is underdisclosed from calculated Finance Charge of $182,290.69 in the amount of $49.92.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
9427	18610943	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
9428	18610944	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.
9429	18610945	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9430	18610946	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9431	18610947	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9432	18610948	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9433	18610956	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9434	18610957	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9435	18610960	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: XX/XX/2006
9436	18610961	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9437	18610962	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9438	18610963	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
9439	18610964	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
9440	18610965	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9441	18610966	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9442	18610967	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9443	18610972	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9444	18610973	XXX	2020-03-26 14:10:22	Compliance	Property - Appraisal	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.
9445	18610974	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9446	18610975	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9447	18610976	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9448	18610977	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9449	18610979	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9450	18610981	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9451	18610983	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9452	18610984	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9453	18610985	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9454	18610990	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9455	18610991	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9456	18610995	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9457	18611005	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9458	18611006	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9459	18611021	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9460	18611023	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9461	18611024	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9462	18611025	XXX	2020-03-20 10:27:40	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9463	18611029	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9464	18611030	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9465	18611031	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
9466	18611034	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9467	18611035	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9468	18611036	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9469	18611037	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $326,940.58 is underdisclosed from calculated Finance Charge of $336,770.11 in the amount of $9,829.53.	Unable to determine cause of underdisclosure due to missing itemization of amount financed and index value used. Utilized minimum index value in lookback period.
9470	18611041	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9471	18611042	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9472	18611043	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Closing / Title	Security Instrument Error: Invalid MERS Min Number
9473	18611044	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9474	18611045	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9475	18611046	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9476	18611047	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9477	18611059	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $453,795.36 is underdisclosed from calculated Finance Charge of $454,989.38 in the amount of $1,194.02.	Unable to determine TIL Finance Charge variance due to missing the Itemization of Amount Financed.
9478	18611060	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9479	18611061	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9480	18611069	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9481	18611070	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9482	18611071	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9483	18611072	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9484	18611073	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9485	18611074	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9486	18611075	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9487	18611076	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9488	18611077	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9489	18611078	XXX	2020-03-31 19:48:06	Compliance	Property - Appraisal	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.
9490	18611079	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9491	18611090	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9492	18611091	XXX	2020-03-31 19:48:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9493	18611092	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
9494	18611093	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9495	18611097	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9496	18611102	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9497	18611109	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9498	18611110	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
9499	18611111	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9500	18611112	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
9501	18611114	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9502	18611115	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9503	18611116	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9504	18611117	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9505	18611118	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9506	18611119	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9507	18611120	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9508	18611121	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9509	18611122	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9510	18611123	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9511	18611124	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
9512	18611125	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9513	18611126	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9514	18611127	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9515	18611128	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9516	18611129	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9517	18611130	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9518	18611131	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9519	18611132	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9520	18611133	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9521	18611134	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9522	18611135	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9523	18611136	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9524	18611137	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9525	18611138	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9526	18611139	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9527	18611140	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9528	18611147	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9529	18611148	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9530	18611149	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9531	18611150	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
9532	18611151	XXX	2020-03-18 11:06:32	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9533	18611152	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9534	18611153	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9535	18611154	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9536	18611155	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9537	18611156	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9538	18611157	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9539	18611158	XXX	2020-03-18 11:06:32	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9540	18611159	XXX	2020-03-18 11:06:32	Compliance	Property - Appraisal	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.
9541	18611160	XXX	2020-03-18 11:06:32	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9542	18611161	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $156,833.63 is underdisclosed from calculated Finance Charge of $156,895.14 in the amount of $61.51.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
9543	18611162	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
9544	18611163	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9545	18611164	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9546	18611172	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9547	18611173	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $258,003.83 is underdisclosed from calculated Finance Charge of $258,755.72 in the amount of $751.89.	Under disclosure is due to the lender’s TIL reflecting MI being in force for 180 months, however based on the loan amount and appraised value the MI would be in force for 207months.
9548	18611185	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9549	18611186	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9550	18611188	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9551	18611189	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9552	18611196	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9553	18611202	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9554	18611205	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9555	18611206	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9556	18611207	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9557	18611208	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9558	18611209	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9559	18611210	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	California Prepayment Penalty	California Prepayment Penalty: Maximum prepay  allowed is 6 months interest calculated on 80% of the original balance ($XXXX.XX).  Loan contracts for maximum calculated prepay of $12,232.50, which exceeds max allowable. Prepay may be impermissible depending on the lender's license type.  Prepay language states prepay will not exceed maximum permitted by applicable law.
9560	18611211	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9561	18611212	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9562	18611217	XXX	2020-02-28 08:33:33	Compliance	Compliance	State Compliance	Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)	Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.
9563	18611218	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9564	18611219	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9565	18611220	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9566	18611221	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9567	18611228	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9568	18611229	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9569	18611230	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9570	18611262	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9571	18611263	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9572	18611279	XXX	2020-03-18 11:06:32	Compliance	Compliance	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.
9573	18611280	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $428,600.84 is underdisclosed from calculated Finance Charge of $428,978.84 in the amount of $378.00.	Unable to determine underdisclosure due to incomplete itemization of amount financed.
9574	18611285	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Valuation Error: APN Number not provided.	Valuation Type: Appraisal / Valuation Report Date: XX/XX/2007
9575	18611286	XXX	2020-03-20 10:27:40	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9576	18611287	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9577	18611288	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9578	18611289	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9579	18611290	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Compliant Test	TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.
9580	18611291	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9581	18611292	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9582	18611293	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9583	18611294	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9584	18611295	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9585	18611299	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9586	18611300	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
9587	18611301	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9588	18611302	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9589	18611303	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9590	18611304	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9591	18611305	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9592	18611306	XXX	2020-03-26 14:10:22	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9593	18611307	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9594	18611309	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $120,523.01 is underdisclosed from calculated Finance Charge of $120,956.16 in the amount of $433.15.	Unable to verify do to missing TIL Itemization of Amount Financed.
9595	18611310	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9596	18611311	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9597	18611312	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $274,871.74 is underdisclosed from calculated Finance Charge of $275,471.75 in the amount of $600.01.	Itemization of amount financed did not include an Attorney's fee of $600 in the prepaid amount financed.
9598	18611314	XXX	2020-02-28 08:33:33	Compliance	Compliance	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.
9599	18611315	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9600	18611316	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9601	18611317	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9602	18611318	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9603	18611319	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9604	18611320	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9605	18611321	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9606	18611322	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9607	18611323	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
9608	18611324	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9609	18611325	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
9610	18611326	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9611	18611327	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9612	18611328	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9613	18611329	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
9614	18611330	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9615	18611340	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9616	18611341	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9617	18611342	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9618	18611343	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9619	18611344	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9620	18611345	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9621	18611346	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $264,709.56 is underdisclosed from calculated Finance Charge of $264,801.36 in the amount of $91.80.	Unable to determine under disclosure due to missing Itemization of Amount Financed.
9622	18611347	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9623	18611348	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	North Carolina First Lien Late Charge Grace Period Testing	North Carolina Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
9624	18611349	XXX	2020-03-18 11:06:32	Compliance	Compliance	State Compliance	North Carolina First Lien Late Charge Percent Testing	North Carolina Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 4%.
9625	18611351	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9626	18611352	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	Unable to test Affiliated Business Disclosure due to missing information.
9627	18611353	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9628	18611354	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9629	18611355	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9630	18611356	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $467,442.44 is underdisclosed from calculated Finance Charge of $469,017.13 in the amount of $1,574.69.	Unable to determine under disclosure due to missing Til itemization of amount financed.
9631	18611357	XXX	2020-03-26 14:10:22	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9632	18611358	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	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.
9633	18611359	XXX	2020-03-20 10:27:40	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9634	18611360	XXX	2020-03-20 10:27:40	Compliance	Compliance	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.
9635	18611361	XXX	2020-03-20 10:27:40	Compliance	Compliance	State Compliance	Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice)	Virginia Mortgage Lender and Broker Act:  Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.
9636	18611373	XXX	2020-03-05 11:35:15	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9637	18611374	XXX	2020-03-05 11:35:15	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9638	18611375	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9639	18611376	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9640	18611377	XXX	2020-03-05 11:35:15	Compliance	Compliance	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.
9641	18611378	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9642	18611379	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9643	18611380	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9644	18611381	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9645	18611382	XXX	2020-03-05 11:35:15	Compliance	Property - Appraisal	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.
9646	18611383	XXX	2020-03-05 11:35:15	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9647	18611385	XXX	2020-03-26 14:10:22	Credit	Property - Appraisal	General Appraisal Requirements	Valuation Error: Valuation report date was not provided.	Valuation Type: Appraisal / Valuation Report Date: <empty>
9648	18611386	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9649	18611387	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9650	18611388	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9651	18611384	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9652	18611389	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9653	18611390	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9654	18611391	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9655	18611392	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9656	18611393	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Estimated	Final TIL disclosure found in file had markings indicating one or more entries are estimates.
9657	18611394	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9658	18611402	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9659	18611403	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
9660	18611404	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9661	18611405	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9662	18611406	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
9663	18611407	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9664	18611408	XXX	2020-03-18 11:06:32	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9665	18611409	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	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.
9666	18611410	XXX	2020-03-18 11:06:32	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9667	18611411	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Status Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.
9668	18611412	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9669	18611413	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
9670	18611414	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9671	18611415	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9672	18611417	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9673	18611418	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	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.
9674	18611419	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
9675	18611420	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9676	18611421	XXX	2020-03-05 11:35:15	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
9677	18611422	XXX	2020-02-28 08:33:33	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9678	18611423	XXX	2020-02-28 08:33:33	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9679	18611424	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	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.
9680	18611425	XXX	2020-02-28 08:33:33	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9681	18611427	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9682	18611428	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9683	18611429	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9684	18611451	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9685	18611457	XXX	2020-03-31 19:48:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9686	18611459	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9687	18611460	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $140,137.84 is underdisclosed from calculated Finance Charge of $140,255.24 in the amount of $117.40.	TIL itemization did not disclose an email fee of $30, release tracking fee $40 and wire fee of $25 as prepaid finance charges.
9688	18611461	XXX	2020-03-26 14:10:22	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9689	18611462	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	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.
9690	18611467	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9691	18611468	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9692	18611469	XXX	2020-03-31 19:48:06	Compliance	Missing Document	General	Incomplete Document: TIL Final is incomplete		TIL payment stream is Illegible
9693	18611473	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $334,279.05 is underdisclosed from calculated Finance Charge of $337,161.86 in the amount of $2,882.81.	Misc title charge of $2470, E-doc fee of $50, Notice of settlement of of $120, Courier fees of $120 and $50, Wire transfer fee of $50 and Copies fee of $75 were not included in prepaid finance charges per TIL Itemization.
9694	18611477	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
9695	18611478	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $102,748.30 is underdisclosed from calculated Finance Charge of $102,860.58 in the amount of $112.28.	Under disclosure is due to the incorrect payment streams disclosed on the final TIL.  The monthly MI premium is not accurately disclosed.
9696	18611487	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9697	18611488	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9698	18611494	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9699	18611495	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9700	18611496	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9701	18611497	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9702	18611498	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9703	18611499	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9704	18611500	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9705	18611501	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9706	18611502	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $380,807.33 is underdisclosed from calculated Finance Charge of $381,234.68 in the amount of $427.35.	Fees are under disclosed $427.35.  Itemization not provided.  Unable to verify the reason for the Under disclosure due to missing itemization of amount financed.
9707	18611503	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9708	18611504	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	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.
9709	18611505	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	ARM Disclosure Timing Test	Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.
9710	18611506	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9711	18611507	XXX	2020-03-31 19:48:06	Credit	Property - Appraisal	General Appraisal Requirements	Incorrect Appraisal Form type: Appraisal Form 1073/465 used for incorrect Subject property type.	Valuation Type: Appraisal / Valuation Report Date: XX/XX/2004
9712	18611508	XXX	2020-03-31 19:48:06	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9713	18611510	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9714	18611511	XXX	2020-03-26 14:10:22	Credit	Insurance	Insurance Documentation	Missing Document: Mortgage Insurance Certificate (MIC) not provided
9715	18611512	XXX	2020-03-31 19:48:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9716	18611513	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
9717	18611514	XXX	2020-03-31 19:48:06	Compliance	Compliance	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.
9718	18611515	XXX	2020-03-31 19:48:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9719	18611517	XXX	2020-03-26 14:10:22	Compliance	Compliance	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.
9720	18611518	XXX	2020-03-26 14:10:22	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $126,654.98 is underdisclosed from calculated Finance Charge of $126,755.38 in the amount of $100.40.	Unable to determine underdisclosure due to missing itemization.
9721	18611523	XXX	2018-09-07 10:31:01	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9722	18611524	XXX	2018-09-07 10:31:01	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9723	18611525	XXX	2018-09-07 10:31:01	Compliance	Compliance	Federal Compliance	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.
9724	18611526	XXX	2018-09-07 10:31:01	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9725	18611527	XXX	2018-09-07 10:31:01	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9726	18611529	XXX	2018-09-14 10:44:34	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9727	18611530	XXX	2018-09-14 10:44:34	Compliance	Compliance	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.
9728	18611531	XXX	2018-09-14 10:44:34	Compliance	Compliance	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.
9729	18611532	XXX	2018-09-14 10:44:34	Compliance	Compliance	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.   The final date used for testing was XX/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
9730	18611533	XXX	2018-09-14 10:44:34	Compliance	Compliance	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.
9731	18611534	XXX	2018-09-14 10:44:34	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9732	18611535	XXX	2018-09-14 10:44:34	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9733	18611536	XXX	2018-09-14 10:44:34	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9734	18611537	XXX	2018-09-14 10:44:34	Compliance	Property - Appraisal	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.
9735	18611538	XXX	2018-09-14 10:44:34	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9736	18611539	XXX	2018-09-14 10:44:34	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9737	18611545	XXX	2018-09-19 16:10:10	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9738	18611546	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9739	18611547	XXX	2018-08-31 17:26:56	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9740	18611548	XXX	2018-08-31 17:26:56	Compliance	Compliance	Federal Compliance	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.
9741	18611549	XXX	2018-08-31 17:26:56	Compliance	Compliance	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.
9742	18611550	XXX	2018-08-31 17:26:56	Compliance	Compliance	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.
9743	18611552	XXX	2018-09-19 16:10:10	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9744	18611553	XXX	2018-09-19 16:10:10	Compliance	Compliance	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.
9745	18611554	XXX	2018-09-19 16:10:10	Compliance	Compliance	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.
9746	18611555	XXX	2018-09-19 16:10:10	Compliance	Compliance	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/2005.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
9747	18611556	XXX	2018-09-19 16:10:10	Compliance	Compliance	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.
9748	18611557	XXX	2018-09-19 16:10:10	Credit	Loan Package Documentation	Application / Processing	Valuation Error: APN Number not provided.	Valuation Type: Appraisal / Valuation Report Date: XX/XX/2005
9749	18611558	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9750	18611559	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	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.
9751	18611560	XXX	2018-09-19 16:10:10	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9752	18611561	XXX	2018-09-19 16:10:10	Compliance	Compliance	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.
9753	18611562	XXX	2018-09-19 16:10:10	Compliance	Compliance	Federal Compliance	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.
9754	18611564	XXX	2020-03-30 13:07:52	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9755	18611578	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	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/2008.
9756	18611579	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9757	18611580	XXX	2019-01-29 12:35:55	Compliance	Compliance	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.
9758	18611581	XXX	2019-01-29 12:35:55	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9759	18611582	XXX	2019-01-29 12:35:55	Compliance	Compliance	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.
9760	18611583	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9761	18611584	XXX	2019-01-29 12:35:55	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9762	18611585	XXX	2019-01-29 12:35:55	Compliance	Compliance	Federal Compliance	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.  The final date used for testing was XX/XX/2008.
9763	18611586	XXX	2019-01-29 12:35:55	Compliance	Compliance	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.
9764	18611587	XXX	2019-02-04 14:41:11	Compliance	Compliance	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.
9765	18611588	XXX	2019-02-04 14:41:11	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9766	18611589	XXX	2019-02-04 14:41:11	Compliance	Compliance	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.
9767	18611590	XXX	2019-02-04 14:41:11	Compliance	Compliance	Federal Compliance	Right of Rescission Timing - Receipt Date Missing	Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.
9768	18611591	XXX	2019-02-04 14:41:11	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $444,185.69 is underdisclosed from calculated Finance Charge of $444,385.97 in the amount of $200.28.	Unable to determine under disclosure due to missing itemization of amount financed
9769	18611592	XXX	2019-02-04 14:41:11	Compliance	Compliance	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.
9770	18611593	XXX	2019-02-04 14:41:11	Compliance	Compliance	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.
9771	18611594	XXX	2019-02-04 14:41:11	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Final TIL not signed by all required parties
9772	18611595	XXX	2019-02-04 14:41:11	Compliance	Loan Package Documentation	Closing / Title	(Doc Error) TIL Error: Borrower signature not dated.
9773	18611596	XXX	2019-02-04 14:41:11	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9774	18611597	XXX	2019-02-04 14:41:11	Compliance	Compliance	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.
9775	18611637	XXX	2019-05-24 15:31:11	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
9776	18611638	XXX	2019-05-24 15:31:11	Compliance	Compliance	State Compliance	Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided)	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.
9777	18611640	XXX	2019-05-24 15:31:11	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9778	18611641	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	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.  The final date used for testing was XX/XX/2008.
9779	18611643	XXX	2019-05-24 15:31:11	Compliance	Compliance	Federal Compliance	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.
9780	18611644	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	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/2008.
9781	18611646	XXX	2019-05-16 12:03:38	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9782	18611647	XXX	2019-05-16 12:03:38	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided	Valuation Type: Stated / Valuation Report Date: <empty>
9783	18611648	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	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.
9784	18611649	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9785	18611650	XXX	2019-05-20 19:12:50	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9786	18611651	XXX	2019-05-20 19:28:50	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $386,978.07 is underdisclosed from calculated Finance Charge of $387,200.21 in the amount of $222.14.	Unable to determine under disclosure due to missing the TIL itemization of amount financed.
9787	18611652	XXX	2019-05-20 19:28:50	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
9788	18611655	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9789	18611656	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	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.
9790	18611657	XXX	2019-05-16 12:03:38	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9791	18611676	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9792	18611677	XXX	2019-05-31 15:40:47	Compliance	Compliance	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.	TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.
9793	18611678	XXX	2019-05-31 15:40:47	Compliance	Loan Package Documentation	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.
9794	18611679	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	RESPA Disclosure -  Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
9795	18611680	XXX	2019-05-31 15:40:47	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9796	18611681	XXX	2019-05-31 15:40:47	Compliance	Property - Appraisal	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.
9797	18611682	XXX	2019-05-31 15:40:47	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9798	18611683	XXX	2019-05-31 15:40:47	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9799	18611684	XXX	2019-05-31 15:40:47	Credit	Legal / Regulatory / Compliance	Title / Lien Defect	Final Title Policy is missing. No evidence of title in file.
9800	18611685	XXX	2019-05-31 15:40:47	Compliance	Compliance	Miscellaneous Compliance	Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.
9801	18611686	XXX	2019-05-31 15:40:47	Compliance	Compliance	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.
9802	18611687	XXX	2019-05-31 15:40:47	Compliance	Compliance	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.
9803	18611688	XXX	2019-05-31 15:40:47	Compliance	Compliance	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.
9804	18611689	XXX	2019-05-31 15:40:47	Compliance	Compliance	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.
9805	18611690	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9806	18611691	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9807	18611692	XXX	2019-05-31 15:40:47	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9808	18611693	XXX	2019-05-16 12:03:38	Compliance	Property - Appraisal	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.
9809	18611694	XXX	2019-05-16 12:03:38	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9810	18611695	XXX	2019-05-16 12:03:38	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9811	18611696	XXX	2019-05-16 12:03:38	Credit	Loan Package Documentation	Closing / Title	Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:	Homestead Exemption Waiver
9812	18611697	XXX	2019-05-16 12:03:38	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9813	18611698	XXX	2019-05-16 12:03:38	Compliance	Compliance	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.
9814	18611699	XXX	2019-05-16 12:03:38	Compliance	Compliance	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.
9815	18611700	XXX	2019-05-16 12:03:38	Compliance	Compliance	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.   The final date used for testing was XX/XX/2007.  Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
9816	18611701	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9817	18611702	XXX	2019-05-16 12:03:38	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9818	18611704	XXX	2019-05-31 11:35:44	Compliance	Compliance	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.
9819	18611705	XXX	2019-05-31 11:41:54	Compliance	Compliance	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.
9820	18611707	XXX	2019-06-12 11:47:44	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9821	18611708	XXX	2019-06-12 11:47:44	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9822	18611709	XXX	2019-06-12 11:47:44	Compliance	Compliance	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.
9823	18611710	XXX	2019-06-12 11:47:44	Compliance	Compliance	State Compliance	Oregon Late Charge Grace Period Testing	Oregon Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.
9824	18611711	XXX	2019-06-12 11:47:44	Compliance	Compliance	State Compliance	Oregon Late Charge Percent Testing	Oregon Late Charge: Note late charge percent of 6.00000% exceeds the state maximum of 5%.
9825	18611712	XXX	2019-06-12 11:47:44	Compliance	Compliance	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.	PPP Expired. Prepayment charge not allowed per OR state - max prepayment charge for loan is a stated maximum amount per year - note states 6 months prepaid interest. Lender is XXX.
9826	18611716	XXX	2019-05-23 21:29:06	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9827	18611717	XXX	2019-05-23 21:29:06	Compliance	Property - Appraisal	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.
9828	18611718	XXX	2019-05-23 21:29:06	Credit	Property - Appraisal	Appraisal Documentation	Missing Document: Appraisal not provided
9829	18611719	XXX	2019-05-23 21:29:06	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9830	18611720	XXX	2019-05-23 21:29:06	Compliance	Compliance	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.
9831	18611721	XXX	2019-05-23 21:29:06	Compliance	Compliance	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.
9832	18611722	XXX	2019-05-23 21:29:06	Compliance	Compliance	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.
9833	18611723	XXX	2019-05-23 21:29:06	Compliance	Compliance	Federal Compliance	Notice of Right to Cancel Missing	Truth in Lending Act: Notice of Right to Cancel was not provided.
9834	18611724	XXX	2019-05-23 21:29:06	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9835	18611725	XXX	2019-05-23 21:29:06	Credit	Credit	Credit Documentation	Missing Document: Credit Report not provided
9836	18611726	XXX	2019-06-07 07:23:31	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9837	18611727	XXX	2019-06-07 07:23:31	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9838	18611728	XXX	2019-06-07 07:23:31	Compliance	Compliance	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.
9839	18611729	XXX	2019-06-07 07:23:31	Compliance	Compliance	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.
9840	18611730	XXX	2019-06-07 07:23:31	Compliance	Compliance	Federal Compliance	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
9841	18611738	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	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.
9842	18611739	XXX	2019-05-31 15:40:47	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9843	18611743	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9844	18611744	XXX	2019-05-31 15:40:47	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9845	18611745	XXX	2019-05-31 15:40:47	Compliance	Compliance	Federal Compliance	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.  The final date used for testing was XX/XX/2007.
9846	18611758	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
9847	18611759	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
9848	18611760	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
9849	18611766	XXX	2019-06-20 07:49:00	Compliance	Compliance	Miscellaneous Compliance	(Doc Error) Initial GFE not provided
9850	18611767	XXX	2019-06-20 07:49:00	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9851	18611768	XXX	2019-06-20 07:49:00	Compliance	Compliance	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.
9852	18611769	XXX	2019-06-20 07:49:00	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9853	18611770	XXX	2019-06-20 07:49:00	Compliance	Compliance	Federal Compliance	RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.
9854	18611771	XXX	2019-06-27 14:33:02	Compliance	Compliance	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.
9855	18611772	XXX	2019-06-28 07:52:20	Compliance	Compliance	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.
9856	18611773	XXX	2019-06-28 07:52:20	Compliance	Compliance	Federal Compliance	FACTA Disclosure Missing	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.
9857	18611774	XXX	2019-06-28 07:52:20	Compliance	Compliance	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.
9858	18611775	XXX	2019-06-28 07:52:20	Compliance	Compliance	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.
9859	18611776	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
9860	18611777	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
9861	18611778	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
9862	18611779	XXX	2019-07-03 08:16:13	Credit	Loan Package Documentation	Application / Processing	Missing Document: Missing Final 1003
9863	18611792	XXX	2019-07-03 08:16:13	Compliance	Compliance	Federal Compliance	TILA - Final TIL Missing	Missing Final TIL.
9864	18611793	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
9865	18611794	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
9866	18611795	XXX	2019-07-03 08:16:13	Compliance	Compliance	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.
9867	18611797	XXX	2020-03-31 16:07:44	Compliance	Compliance	Federal Compliance	RESPA (2010) - 10% Tolerance Without Cure	RESPA (2010): 10% tolerance violation without  evidence of sufficient cure provided.	.
9868	18611798	XXX	2020-03-31 16:07:44	Compliance	Compliance	State Compliance	Maryland Ability to Repay Not Verified	Maryland SB270:  Borrower’s ability to repay not verified with reliable documentation.	Loan is a Refi Plus with stated income and assets
9869	18611799	XXX	2020-03-31 16:07:44	Compliance	Compliance	Federal Compliance	Final TIL Finance Charge Under Disclosed	Truth In Lending Act: Final TIL Finance Charge of $41,261.13 is underdisclosed from calculated Finance Charge of $41,361.67 in the amount of $100.54.	$100 payoff release fee not listed on itemization.
9870	18611800	XXX	2020-03-31 16:07:44	Compliance	Compliance	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
9871	18611801	XXX	2020-03-31 16:07:44	Credit	Loan Package Documentation	Application / Processing	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: HURRICANE XXX Disaster Declaration Date: XX/XX/2003 Disaster End Date:  XX/XX/2003	The property is located in MD.  Provide a post-disaster inspection verifying there was no damage from Hurricane XXX. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/2003.
9872	18611802	XXX	2020-03-31 16:07:44	Property	Missing Document	Appraisal Documentation	Loan is to go into a securitization, and full appraisal was not provided.		Subject Refi Plus loan was approved without an appraisal, however 2 valuations will be required for securitization.
9873	18611803	XXX	2020-03-31 16:07:44	Credit	Loan Package Documentation	Application / Processing	Missing Document: Fraud Report not provided

Compensating Factors	Follow-up Comments	Cleared Date	Unable To Clear Date	Cured Date	Waived Date	Exception Level Grade	Note Date
						3	9/XX/2015
						3	9/XX/2015
						1	9/XX/2015
						2	9/XX/2015
						2	9/XX/2015
						3	10/XX/2015
						1	10/XX/2015
						2	10/XX/2015
						2	10/XX/2015
						2	10/XX/2015
						3	10/XX/2015
						3	10/XX/2015
						1	10/XX/2015
						3	10/XX/2015
						2	10/XX/2015
						3	7/XX/2014
						3	7/XX/2014
						3	7/XX/2014
						1	7/XX/2014
						2	7/XX/2014
						3	7/XX/2014
						3	8/XX/2014
						3	8/XX/2014
						3	8/XX/2014
						3	8/XX/2014
						1	8/XX/2014
						1	7/XX/2014
						3	7/XX/2014
						2	7/XX/2014
						2	7/XX/2014
						2	7/XX/2014
						3	7/XX/2014
						3	5/XX/2014
						3	5/XX/2014
						3	5/XX/2014
						3	5/XX/2014
						3	5/XX/2014
						3	5/XX/2014
						2	5/XX/2014
						1	5/XX/2014
						3	5/XX/2014
						3	5/XX/2014
						2	5/XX/2014
						2	5/XX/2014
						2	5/XX/2014
						2	5/XX/2014
						3	5/XX/2014
						2	5/XX/2014
						3	5/XX/2014
						3	5/XX/2014
						3	5/XX/2014
						2	5/XX/2014
						2	5/XX/2014
						2	5/XX/2014
						2	5/XX/2014
						3	4/XX/2014
						1	4/XX/2014
						3	4/XX/2014
						3	3/XX/2014
						3	3/XX/2014
						1	3/XX/2014
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	10/XX/2007
						2	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	12/XX/2003
						3	12/XX/2003
						2	12/XX/2013
						2	12/XX/2013
						2	12/XX/2013
						2	12/XX/2013
						2	12/XX/2013
						3	12/XX/2013
						2	12/XX/2013
						2	12/XX/2013
						2	12/XX/2013
						2	12/XX/2013
						2	12/XX/2013
						2	12/XX/2013
						3	12/XX/2013
						3	12/XX/2013
						2	11/XX/2013
						2	11/XX/2013
						2	11/XX/2013
						2	11/XX/2013
						2	11/XX/2013
						3	11/XX/2013
						3	11/XX/2013
						2	10/XX/2013
						2	10/XX/2013
						2	10/XX/2013
						2	6/XX/2013
						3	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						3	6/XX/2013
						2	5/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						3	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						3	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						3	1/XX/2013
						3	1/XX/2013
						3	1/XX/2013
						3	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						3	1/XX/2013
						3	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						2	11/XX/2012
						3	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						3	11/XX/2012
						3	11/XX/2012
						3	11/XX/2012
						3	11/XX/2012
						3	11/XX/2012
						3	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						3	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						3	10/XX/2012
						3	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						3	10/XX/2012
						3	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						3	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						3	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						3	7/XX/2012
						3	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
	Reviewer Comment (2020-09-22): Subsequent AMC review was able to clear	09/22/2020				1	7/XX/2012
						3	7/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						3	6/XX/2012
						3	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						3	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						3	5/XX/2012
						3	5/XX/2012
						3	5/XX/2012
						2	5/XX/2012
						3	5/XX/2012
						3	5/XX/2012
						3	5/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						3	3/XX/2012
						2	3/XX/2012
						3	2/XX/2012
						2	2/XX/2012
						3	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						3	2/XX/2012
						3	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						3	3/XX/2012
						3	3/XX/2012
						3	3/XX/2012
						3	3/XX/2012
						3	3/XX/2012
						3	1/XX/2012
						3	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						3	12/XX/2011
						3	12/XX/2011
						2	12/XX/2011
						3	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						3	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						2	10/XX/2011
						2	10/XX/2011
						3	10/XX/2011
						3	10/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						3	9/XX/2011
						3	9/XX/2011
						3	9/XX/2011
						3	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						3	8/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						3	7/XX/2011
						2	6/XX/2011
						2	6/XX/2011
						3	6/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						3	2/XX/2011
						3	2/XX/2011
						2	2/XX/2011
						2	2/XX/2011
						3	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	12/XX/2010
						3	12/XX/2010
						2	12/XX/2010
						2	12/XX/2010
						3	12/XX/2010
						2	12/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						3	9/XX/2010
						3	9/XX/2010
						2	9/XX/2010
						3	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						3	7/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						3	8/XX/2010
						3	8/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						3	7/XX/2010
						3	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						3	7/XX/2010
						2	7/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						3	4/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						3	3/XX/2010
						2	2/XX/2010
						2	2/XX/2010
						2	2/XX/2010
						2	2/XX/2010
						3	2/XX/2010
						3	2/XX/2010
						3	2/XX/2010
						3	2/XX/2010
						3	2/XX/2010
						2	2/XX/2010
						2	2/XX/2010
						3	1/XX/2010
						3	1/XX/2010
						2	1/XX/2010
						3	12/XX/2009
						2	12/XX/2009
						3	12/XX/2009
						3	12/XX/2009
						3	12/XX/2009
						2	10/XX/2009
						3	10/XX/2009
						2	10/XX/2009
						2	10/XX/2009
						2	10/XX/2009
						3	10/XX/2009
						3	10/XX/2009
						2	10/XX/2009
						2	9/XX/2009
						3	9/XX/2009
						2	9/XX/2009
						2	9/XX/2009
						2	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						2	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						3	8/XX/2009
						2	8/XX/2009
						2	8/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						3	7/XX/2009
						3	5/XX/2009
						2	5/XX/2009
						3	5/XX/2009
						3	5/XX/2009
						3	5/XX/2009
						2	6/XX/2009
						2	6/XX/2009
						2	6/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						3	5/XX/2009
						2	5/XX/2009
						2	4/XX/2009
						3	4/XX/2009
						3	4/XX/2009
						3	4/XX/2009
						3	4/XX/2009
						2	4/XX/2009
						2	4/XX/2009
						2	4/XX/2009
						2	4/XX/2009
						3	3/XX/2009
						3	3/XX/2009
						2	3/XX/2009
						2	3/XX/2009
						3	3/XX/2009
						2	3/XX/2009
						3	3/XX/2009
						3	3/XX/2009
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	1/XX/2009
						3	12/XX/2008
						2	12/XX/2008
						3	12/XX/2008
						3	12/XX/2008
						2	10/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						3	9/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	8/XX/2008
						3	8/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	6/XX/2008
						3	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						3	6/XX/2008
						3	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	4/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
	Reviewer Comment (2020-03-10): Cleared with TIL provided.	03/10/2020				1	1/XX/2008
						3	1/XX/2008
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
	Reviewer Comment (2020-03-10): Cleared with HUD provided.	03/10/2020				1	11/XX/2007
	Reviewer Comment (2020-03-10): Cleared with HUD provided.	03/10/2020				1	11/XX/2007
	Reviewer Comment (2020-03-10): Cleared with HUD provided.	03/10/2020				1	11/XX/2007
	Reviewer Comment (2020-03-10): Cleared with TIL provided.	03/10/2020				1	11/XX/2007
						2	11/XX/2007
	Reviewer Comment (2020-03-10): Cleared with Appraisal provided.	03/10/2020				1	11/XX/2007
	Reviewer Comment (2020-03-10): Cleared with Appraisal provided.	03/10/2020				1	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	12/XX/2005
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						2	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						2	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						3	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						3	1/XX/2005
						3	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						3	1/XX/2005
						2	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						3	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						3	11/XX/2004
						3	11/XX/2004
						3	11/XX/2004
						2	11/XX/2004
						3	11/XX/2004
						3	11/XX/2004
						2	11/XX/2004
						3	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						3	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						3	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						3	11/XX/2004
						3	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						3	11/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	9/XX/2004
						3	9/XX/2004
						3	9/XX/2004
						3	9/XX/2004
						2	9/XX/2004
						2	9/XX/2004
						2	9/XX/2004
						2	9/XX/2004
						2	9/XX/2004
						2	9/XX/2004
						3	9/XX/2004
						2	9/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						3	7/XX/2004
						3	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						2	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						3	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						2	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						3	7/XX/2004
						3	6/XX/2004
						2	6/XX/2004
						3	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						3	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						3	5/XX/2004
						3	5/XX/2004
						3	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						2	4/XX/2004
						2	4/XX/2004
						2	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	2/XX/2004
						2	2/XX/2004
						2	2/XX/2004
						3	2/XX/2004
						3	11/XX/2003
						3	11/XX/2003
						2	11/XX/2003
						2	10/XX/2003
						3	10/XX/2003
						2	10/XX/2003
						3	4/XX/2003
						3	4/XX/2003
						3	3/XX/2003
						2	3/XX/2003
						2	3/XX/2003
						2	8/XX/2002
						2	8/XX/2002
						2	7/XX/2002
						2	7/XX/2002
						2	6/XX/2002
						2	6/XX/2002
						3	6/XX/2002
						3	4/XX/2002
						2	4/XX/2002
						3	3/XX/2002
						3	3/XX/2002
						3	12/XX/2001
						3	12/XX/2001
						3	11/XX/2001
						2	11/XX/2001
						3	11/XX/2001
						2	11/XX/2001
						3	11/XX/2001
						3	11/XX/2001
						3	11/XX/2001
						2	11/XX/2001
						2	11/XX/2001
						3	11/XX/2001
						3	11/XX/2001
						3	11/XX/2001
						3	10/XX/2001
						2	2/XX/2009
						3	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						2	2/XX/2008
						3	2/XX/2008
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						3	7/XX/2006
						2	2/XX/2014
						2	2/XX/2014
						2	2/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						3	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						3	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						3	1/XX/2014
						3	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						3	1/XX/2014
						2	1/XX/2014
						3	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						2	1/XX/2014
						3	1/XX/2014
						3	1/XX/2014
						3	1/XX/2014
						3	1/XX/2014
						2	1/XX/2014
						2	12/XX/2013
						2	12/XX/2013
						3	10/XX/2013
						2	10/XX/2013
						2	10/XX/2013
						3	10/XX/2013
						3	10/XX/2013
						3	10/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						3	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						3	8/XX/2013
						2	7/XX/2013
						3	7/XX/2013
						2	7/XX/2013
						3	7/XX/2013
						2	7/XX/2013
						3	7/XX/2013
						3	7/XX/2013
						2	7/XX/2013
						2	7/XX/2013
						2	6/XX/2013
						3	6/XX/2013
						3	6/XX/2013
						2	6/XX/2013
						3	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						3	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						3	5/XX/2013
						2	5/XX/2013
						3	5/XX/2013
						3	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						3	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						3	5/XX/2013
						3	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						3	5/XX/2013
						2	5/XX/2013
						3	5/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						3	4/XX/2013
						3	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						3	3/XX/2013
						3	3/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						3	2/XX/2013
						3	2/XX/2013
						3	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						3	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						3	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						3	1/XX/2013
						2	1/XX/2013
						3	1/XX/2013
						2	1/XX/2013
						2	1/XX/2013
						3	12/XX/2012
						2	12/XX/2012
						2	12/XX/2012
						2	12/XX/2012
						2	12/XX/2012
						2	12/XX/2012
						2	12/XX/2012
						3	12/XX/2012
						2	12/XX/2012
						2	12/XX/2012
						2	12/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						3	11/XX/2012
						3	11/XX/2012
						3	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						3	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						3	11/XX/2012
						3	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						3	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						3	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						3	10/XX/2012
						2	10/XX/2012
						3	10/XX/2012
						3	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						3	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						3	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						3	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						2	9/XX/2012
						3	9/XX/2012
						3	9/XX/2012
						2	9/XX/2012
						3	9/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						3	6/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						3	6/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						3	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						3	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						3	5/XX/2012
						3	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						3	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						3	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						3	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						3	3/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						3	3/XX/2012
						3	3/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						3	3/XX/2012
						2	3/XX/2012
						3	3/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						3	2/XX/2012
						2	2/XX/2012
						3	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						3	1/XX/2012
						2	12/XX/2011
						2	12/XX/2011
						3	12/XX/2011
						3	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						3	12/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						3	11/XX/2011
						3	11/XX/2011
						3	11/XX/2011
						2	11/XX/2011
						3	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						3	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						2	11/XX/2011
						3	11/XX/2011
						3	11/XX/2011
						2	11/XX/2011
						2	10/XX/2011
						2	10/XX/2011
						2	10/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						3	9/XX/2011
						3	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						2	9/XX/2011
						3	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						2	7/XX/2011
						3	7/XX/2011
						3	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						2	6/XX/2011
						2	6/XX/2011
						2	6/XX/2011
						3	6/XX/2011
						2	6/XX/2011
						2	6/XX/2011
						2	6/XX/2011
						3	6/XX/2011
						2	5/XX/2011
						2	5/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						3	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						2	3/XX/2011
						3	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	1/XX/2011
						2	12/XX/2010
						2	12/XX/2010
						2	12/XX/2010
						3	12/XX/2010
						2	12/XX/2010
						2	12/XX/2010
						2	12/XX/2010
						2	12/XX/2010
						2	12/XX/2010
						3	12/XX/2010
						3	12/XX/2010
						2	12/XX/2010
						2	12/XX/2010
						2	12/XX/2010
						2	12/XX/2010
						2	11/XX/2010
						3	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						3	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						3	11/XX/2010
						2	11/XX/2010
						3	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						3	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						3	10/XX/2010
						3	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						3	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						3	10/XX/2010
						3	10/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						3	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	7/XX/2010
						3	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						3	7/XX/2010
						3	7/XX/2010
						3	7/XX/2010
						2	5/XX/2010
						2	5/XX/2010
						3	5/XX/2010
						2	5/XX/2010
						2	5/XX/2010
						3	5/XX/2010
						2	5/XX/2010
						2	5/XX/2010
						2	5/XX/2010
						3	5/XX/2010
						3	5/XX/2010
						3	5/XX/2010
						2	5/XX/2010
						2	5/XX/2010
						3	5/XX/2010
						3	5/XX/2010
						2	5/XX/2010
						2	5/XX/2010
						2	5/XX/2010
						3	5/XX/2010
						3	5/XX/2010
						2	4/XX/2010
						3	4/XX/2010
						3	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						3	4/XX/2010
						3	4/XX/2010
						3	4/XX/2010
						3	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						3	4/XX/2010
						2	2/XX/2010
						2	2/XX/2010
						3	2/XX/2010
						3	2/XX/2010
						3	2/XX/2010
						2	2/XX/2010
						2	2/XX/2010
						3	2/XX/2010
						3	2/XX/2010
						3	2/XX/2010
						2	12/XX/2009
						3	12/XX/2009
						2	12/XX/2009
						2	12/XX/2009
						2	12/XX/2009
						2	12/XX/2009
						2	12/XX/2009
						3	12/XX/2009
						3	12/XX/2009
						3	12/XX/2009
						2	11/XX/2009
						2	11/XX/2009
						2	11/XX/2009
						2	11/XX/2009
						2	10/XX/2009
						3	10/XX/2009
						3	10/XX/2009
						3	10/XX/2009
						3	10/XX/2009
						3	10/XX/2009
						3	10/XX/2009
						3	10/XX/2009
						2	10/XX/2009
						2	10/XX/2009
						2	10/XX/2009
						2	10/XX/2009
						2	10/XX/2009
						3	10/XX/2009
						2	10/XX/2009
						3	10/XX/2009
						3	10/XX/2009
						2	10/XX/2009
						2	10/XX/2009
						3	10/XX/2009
						3	10/XX/2009
						2	9/XX/2009
	Reviewer Comment (2020-03-17): Cleared after subsequent review.	03/17/2020				1	9/XX/2009
						3	9/XX/2009
						2	9/XX/2009
						2	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						2	9/XX/2009
						2	9/XX/2009
						2	9/XX/2009
						2	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						2	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						2	8/XX/2009
						2	8/XX/2009
						2	8/XX/2009
						2	8/XX/2009
						2	8/XX/2009
						3	8/XX/2009
						2	8/XX/2009
						3	8/XX/2009
						2	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						2	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						2	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						2	8/XX/2009
						2	7/XX/2009
						3	7/XX/2009
						3	7/XX/2009
						3	7/XX/2009
						2	6/XX/2009
						3	6/XX/2009
						2	6/XX/2009
						2	6/XX/2009
						3	6/XX/2009
						2	6/XX/2009
						3	6/XX/2009
						2	6/XX/2009
						3	6/XX/2009
						2	6/XX/2009
						2	6/XX/2009
						3	6/XX/2009
						3	6/XX/2009
						3	5/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						3	5/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						2	5/XX/2009
						2	4/XX/2009
						3	4/XX/2009
						3	7/XX/2008
						3	7/XX/2008
						3	7/XX/2008
						3	3/XX/2009
						2	3/XX/2009
						2	3/XX/2009
						2	3/XX/2009
						2	3/XX/2009
						2	3/XX/2009
						2	3/XX/2009
						2	3/XX/2009
						2	3/XX/2009
						3	2/XX/2009
						2	2/XX/2009
						3	2/XX/2009
						3	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						3	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						2	2/XX/2009
						2	1/XX/2009
						2	1/XX/2009
						2	1/XX/2009
						3	1/XX/2009
						2	1/XX/2009
						2	1/XX/2009
						3	1/XX/2009
						3	1/XX/2009
						2	1/XX/2009
						2	1/XX/2009
						2	1/XX/2009
						3	1/XX/2009
						2	1/XX/2009
						3	1/XX/2009
						2	1/XX/2009
						2	1/XX/2009
						2	1/XX/2009
						3	1/XX/2009
						2	1/XX/2009
						3	1/XX/2009
						2	12/XX/2008
						2	12/XX/2008
						2	12/XX/2008
						2	12/XX/2008
						2	12/XX/2008
						3	12/XX/2008
						3	12/XX/2008
						2	12/XX/2008
						2	12/XX/2008
						2	12/XX/2008
						3	12/XX/2008
						3	12/XX/2008
						3	12/XX/2008
	Reviewer Comment (2020-09-04): Cleared- Received copy of note for subject transaction.	09/04/2020				1	12/XX/2008
						2	12/XX/2008
						2	12/XX/2008
						2	12/XX/2008
						2	12/XX/2008
						3	12/XX/2008
						3	8/XX/2008
						2	8/XX/2008
						2	8/XX/2008
						3	8/XX/2008
						2	8/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	11/XX/2008
						2	11/XX/2008
						2	11/XX/2008
						3	11/XX/2008
						3	10/XX/2008
						2	10/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						3	10/XX/2008
						2	10/XX/2008
						3	10/XX/2008
						2	10/XX/2008
						3	10/XX/2008
						2	10/XX/2008
						2	10/XX/2008
						2	10/XX/2008
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	7/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						3	6/XX/2008
						3	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						2	6/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						3	5/XX/2007
						3	9/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						2	8/XX/2008
						2	8/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						3	8/XX/2008
						2	8/XX/2008
						2	8/XX/2008
						2	6/XX/2008
						3	6/XX/2008
						3	8/XX/2008
						2	8/XX/2008
						3	8/XX/2008
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2008
						2	5/XX/2008
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						3	5/XX/2008
						3	5/XX/2008
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2008
						2	5/XX/2008
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						3	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						2	5/XX/2007
						3	5/XX/2007
						2	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	5/XX/2007
						3	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	5/XX/2007
						3	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	4/XX/2008
						2	4/XX/2008
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	4/XX/2008
						2	4/XX/2008
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						3	5/XX/2007
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	5/XX/2006
						3	5/XX/2006
						2	5/XX/2007
						2	5/XX/2007
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2007
						2	5/XX/2007
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	5/XX/2007
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	3/XX/2008
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	5/XX/2006
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	5/XX/2006
						2	5/XX/2006
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	4/XX/2007
						3	4/XX/2007
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	5/XX/2006
						3	5/XX/2006
						2	2/XX/2008
						3	2/XX/2008
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	3/XX/2004
						2	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						2	4/XX/2006
						3	2/XX/2008
						2	2/XX/2008
						2	4/XX/2007
						3	4/XX/2007
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	4/XX/2006
						3	4/XX/2006
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	12/XX/2003
						2	12/XX/2003
						3	12/XX/2003
						2	12/XX/2003
						2	12/XX/2003
						3	12/XX/2003
						2	12/XX/2003
						2	12/XX/2003
						3	12/XX/2003
						2	3/XX/2007
						2	3/XX/2006
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	3/XX/2006
						2	1/XX/2008
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	1/XX/2008
						2	1/XX/2008
						2	3/XX/2007
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						3	1/XX/2008
						2	1/XX/2008
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2007
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	3/XX/2006
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2006
						2	3/XX/2006
						3	1/XX/2008
						2	1/XX/2008
						3	3/XX/2007
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	3/XX/2007
						2	3/XX/2007
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	12/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	3/XX/2007
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	12/XX/2007
						2	2/XX/2007
						2	2/XX/2006
						2	2/XX/2006
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2006
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	12/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	8/XX/2003
						3	8/XX/2003
						2	12/XX/2007
						3	12/XX/2007
						2	1/XX/2006
						3	1/XX/2006
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	2/XX/2007
						3	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	12/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	2/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	12/XX/2005
						3	11/XX/2007
						2	11/XX/2007
						2	2/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						2	11/XX/2007
						2	1/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	1/XX/2007
						3	7/XX/2003
						2	7/XX/2003
						2	7/XX/2003
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	1/XX/2007
						2	6/XX/2003
						2	6/XX/2003
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	12/XX/2005
						2	12/XX/2005
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						2	1/XX/2007
						2	1/XX/2007
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2007
						3	11/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	5/XX/2003
						3	10/XX/2005
						2	10/XX/2005
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						3	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						3	10/XX/2005
						3	10/XX/2005
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	4/XX/2003
						3	4/XX/2003
						3	12/XX/2006
						3	10/XX/2005
						2	10/XX/2005
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	4/XX/2003
						2	4/XX/2003
						2	10/XX/2005
						3	4/XX/2003
						2	4/XX/2003
						3	4/XX/2003
						3	4/XX/2003
						2	4/XX/2003
						3	4/XX/2003
						2	4/XX/2003
						2	4/XX/2003
						3	4/XX/2003
						2	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						2	10/XX/2007
						3	10/XX/2007
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	9/XX/2005
						3	9/XX/2005
						2	8/XX/2005
						3	12/XX/2006
						3	12/XX/2006
						2	8/XX/2005
						3	8/XX/2005
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	9/XX/2007
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	8/XX/2005
						3	8/XX/2005
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	8/XX/2005
						2	8/XX/2005
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	8/XX/2005
						3	8/XX/2005
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	9/XX/2007
						2	9/XX/2007
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	9/XX/2007
						2	9/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	8/XX/2007
	Reviewer Comment (2020-03-11): Cleared with appraisal received.	03/11/2020				1	8/XX/2007
	Reviewer Comment (2020-03-11): Cleared with appraisal received.	03/11/2020				1	8/XX/2007
						2	8/XX/2007
	Reviewer Comment (2020-03-11): Cleared with HUD received.	03/11/2020				1	8/XX/2007
	Reviewer Comment (2020-03-11): Cleared with HUD received.	03/11/2020				1	8/XX/2007
	Reviewer Comment (2020-03-11): Cleared with HUD received.	03/11/2020				1	8/XX/2007
	Reviewer Comment (2020-03-11): Cleared with appraisal received.	03/11/2020				1	8/XX/2007
	Reviewer Comment (2020-03-11): Cleared with Final TIL received.	03/11/2020				1	8/XX/2007
	Reviewer Comment (2020-03-11): Cleared with HUD received.	03/11/2020				1	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	7/XX/2005
						2	7/XX/2005
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	8/XX/2007
						2	6/XX/2005
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	6/XX/2005
						3	6/XX/2005
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	11/XX/2002
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	8/XX/2007
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	10/XX/2006
						2	10/XX/2006
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	8/XX/2007
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	6/XX/2005
						3	6/XX/2005
						2	10/XX/2006
						2	10/XX/2006
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	10/XX/2006
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	10/XX/2006
						3	10/XX/2006
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	6/XX/2005
						2	10/XX/2006
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	8/XX/2007
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	5/XX/2005
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	8/XX/2002
						3	8/XX/2002
						3	8/XX/2002
						3	8/XX/2002
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2002
						2	7/XX/2002
						2	7/XX/2002
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	4/XX/2005
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	7/XX/2007
						2	6/XX/2002
						3	6/XX/2002
						2	6/XX/2002
						3	6/XX/2002
						3	6/XX/2002
						2	9/XX/2006
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	5/XX/2002
						2	5/XX/2002
						3	5/XX/2002
						2	5/XX/2002
						2	5/XX/2002
						3	5/XX/2002
						2	5/XX/2002
						3	5/XX/2002
						3	5/XX/2002
						3	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						2	4/XX/2002
						3	4/XX/2002
						3	4/XX/2002
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	4/XX/2002
						3	4/XX/2002
						2	4/XX/2002
						2	4/XX/2002
						3	4/XX/2002
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	3/XX/2005
						3	9/XX/2006
						2	9/XX/2006
						2	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	9/XX/2006
						2	9/XX/2006
						3	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						3	2/XX/2005
						3	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
	Reviewer Comment (2020-03-11): Cleared- HUD received	03/11/2020				1	7/XX/2007
	Reviewer Comment (2020-03-11): Cleared- HUD received	03/11/2020				1	7/XX/2007
	Reviewer Comment (2020-03-11): Cleared- HUD received	03/11/2020				1	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
	Reviewer Comment (2020-03-11): Cleared- TIL received	03/11/2020				1	7/XX/2007
	Reviewer Comment (2020-03-11): Cleared- Origination appraisal received	03/11/2020				1	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
	Reviewer Comment (2020-03-11): Cleared- Origination appraisal received	03/11/2020				1	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	8/XX/2006
						3	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						2	8/XX/2006
						2	8/XX/2006
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						2	7/XX/2007
						2	7/XX/2007
						3	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	8/XX/2006
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	2/XX/2002
						3	2/XX/2002
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	1/XX/2002
						2	1/XX/2002
						2	1/XX/2002
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	1/XX/2005
						3	1/XX/2005
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	12/XX/2001
						3	12/XX/2001
						2	12/XX/2001
						2	12/XX/2001
						2	12/XX/2001
						3	12/XX/2001
						3	12/XX/2001
						2	8/XX/2006
						2	1/XX/2005
						3	1/XX/2005
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	12/XX/2004
						2	12/XX/2004
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	11/XX/2001
						3	11/XX/2001
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	11/XX/2001
						2	8/XX/2006
						3	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						2	11/XX/2001
						3	11/XX/2001
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						3	10/XX/2001
						2	10/XX/2001
						3	10/XX/2001
						2	10/XX/2001
						3	10/XX/2001
						2	10/XX/2001
						3	10/XX/2001
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	7/XX/2006
						2	7/XX/2006
						3	10/XX/2001
						3	10/XX/2001
						2	6/XX/2007
						2	6/XX/2007
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	11/XX/2004
						3	11/XX/2004
						2	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						2	11/XX/2004
						2	11/XX/2004
						2	11/XX/2004
						3	11/XX/2004
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	7/XX/2006
						2	7/XX/2006
						3	8/XX/2001
						3	8/XX/2001
						2	8/XX/2001
						3	8/XX/2001
						3	8/XX/2001
						3	8/XX/2001
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	11/XX/2004
						2	11/XX/2004
						3	11/XX/2004
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	11/XX/2004
						3	11/XX/2004
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						3	6/XX/2007
						3	6/XX/2006
						2	10/XX/2004
						3	10/XX/2004
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	9/XX/2004
						2	9/XX/2004
						3	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2007
						2	6/XX/2007
						2	9/XX/2004
						3	9/XX/2004
						2	6/XX/2006
						2	6/XX/2007
						3	6/XX/2006
						2	6/XX/2006
						2	9/XX/2004
						2	9/XX/2004
						2	9/XX/2004
						3	9/XX/2004
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	9/XX/2004
						2	9/XX/2004
						3	9/XX/2004
						2	9/XX/2004
						3	9/XX/2004
						2	9/XX/2004
						3	9/XX/2004
						2	9/XX/2004
						3	9/XX/2004
						3	9/XX/2004
						3	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	9/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	8/XX/2004
						2	5/XX/2006
						3	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	6/XX/2004
						2	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						3	7/XX/2004
						2	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						3	7/XX/2004
						3	7/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						3	6/XX/2004
						2	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						2	6/XX/2004
						3	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						2	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						2	4/XX/2004
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	6/XX/2006
						3	6/XX/2006
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	1/XX/2004
						2	9/XX/2006
						3	9/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
	Reviewer Comment (2020-02-19): Cleared after subsequent review.	02/19/2020				1	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	2/XX/2006
						3	2/XX/2006
						3	11/XX/2007
						3	5/XX/2003
						2	5/XX/2003
						3	5/XX/2003
						2	2/XX/2008
						2	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	6/XX/2003
						2	6/XX/2003
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	4/XX/2007
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	1/XX/2014
						2	1/XX/2014
						3	1/XX/2014
						2	1/XX/2014
						2	8/XX/2013
						2	8/XX/2013
						2	8/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						3	3/XX/2013
						3	3/XX/2013
						3	3/XX/2013
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						2	12/XX/2011
						3	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						3	7/XX/2011
						2	7/XX/2011
						2	7/XX/2011
						3	6/XX/2011
						3	6/XX/2011
						3	1/XX/2010
						2	1/XX/2010
						3	9/XX/2009
						2	9/XX/2009
						2	9/XX/2009
						2	1/XX/2009
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
	Reviewer Comment (2019-05-30): Cleared after subsequent review.	05/30/2019				1	8/XX/2007
	Reviewer Comment (2019-05-30): Cleared after subsequent review.	05/30/2019				1	8/XX/2007
						2	8/XX/2007
	Reviewer Comment (2019-05-30): Cleared after subsequent review.	05/30/2019				1	8/XX/2007
	Reviewer Comment (2019-05-30): Cleared after subsequent review.	05/30/2019				1	8/XX/2007
	Reviewer Comment (2019-05-30): Cleared after subsequent review.	05/30/2019				1	8/XX/2007
	Reviewer Comment (2019-05-30): Cleared after subsequent review.	05/30/2019				1	8/XX/2007
	Reviewer Comment (2019-05-30): Cleared after subsequent review.	05/30/2019				1	8/XX/2007
	Reviewer Comment (2019-05-30): Cleared after subsequent review.	05/30/2019				1	8/XX/2007
	Reviewer Comment (2019-05-30): Cleared after subsequent review.	05/30/2019				1	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	5/XX/2006
						2	2/XX/2006
						3	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	12/XX/2003
						3	4/XX/2004
						2	4/XX/2004
						2	6/XX/2003
						2	6/XX/2003
						2	6/XX/2003
						2	6/XX/2003
						3	6/XX/2003
						3	2/XX/1996
						3	2/XX/1996
						3	2/XX/1996
						3	2/XX/1996
						2	7/XX/2002
						2	7/XX/2002
						3	4/XX/1999
						2	4/XX/1999
						2	5/XX/2015
						1	5/XX/2015
						3	5/XX/2015
						2	5/XX/2015
						3	5/XX/2015
						3	3/XX/2015
						3	3/XX/2015
						1	3/XX/2015
						2	1/XX/2015
						2	1/XX/2015
						3	1/XX/2015
						3	1/XX/2015
						1	1/XX/2015
						2	1/XX/2015
						3	1/XX/2015
						3	9/XX/2014
						3	9/XX/2014
						3	9/XX/2014
						1	9/XX/2014
						3	6/XX/2014
						1	6/XX/2014
						3	6/XX/2014
						3	4/XX/2014
						1	4/XX/2014
						2	4/XX/2014
						2	4/XX/2014
						3	4/XX/2014
						3	4/XX/2014
						3	4/XX/2014
						3	3/XX/2014
						2	3/XX/2014
						2	3/XX/2014
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2004
						3	3/XX/2004
						3	12/XX/2003
						2	12/XX/2003
						3	12/XX/2003
						2	1/XX/2002
						2	1/XX/2002
						2	1/XX/2014
						3	1/XX/2014
						3	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						2	6/XX/2013
						3	6/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						2	5/XX/2013
						3	5/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						3	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						2	10/XX/2012
						3	10/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						3	6/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						3	4/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						2	3/XX/2012
						3	2/XX/2012
						2	2/XX/2012
						3	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						3	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						3	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						2	10/XX/2011
						3	10/XX/2011
						3	10/XX/2011
						2	8/XX/2011
						2	8/XX/2011
						3	8/XX/2011
						3	8/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	12/XX/2010
						3	12/XX/2010
						2	12/XX/2010
						3	12/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						3	10/XX/2010
						3	10/XX/2010
						3	10/XX/2010
						2	9/XX/2010
						3	9/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						2	7/XX/2010
						3	7/XX/2010
						3	7/XX/2010
						3	7/XX/2010
						3	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						3	6/XX/2010
						3	6/XX/2010
						3	6/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						3	3/XX/2010
						3	3/XX/2010
						3	3/XX/2010
						3	1/XX/2010
						2	1/XX/2010
						2	12/XX/2009
						2	12/XX/2009
						2	12/XX/2009
						2	12/XX/2009
						3	12/XX/2009
						2	11/XX/2009
						2	11/XX/2009
						2	11/XX/2009
						2	11/XX/2009
						3	11/XX/2009
						2	8/XX/2009
						3	8/XX/2009
						3	8/XX/2009
						2	8/XX/2009
						3	8/XX/2009
						2	6/XX/2009
						3	6/XX/2009
						3	5/XX/2009
						2	4/XX/2009
						2	4/XX/2009
						2	4/XX/2009
						2	4/XX/2009
						3	4/XX/2009
						2	4/XX/2009
						2	2/XX/2009
						2	10/XX/2008
						2	10/XX/2008
						2	10/XX/2008
						2	10/XX/2008
						2	10/XX/2008
						2	10/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						2	9/XX/2008
						3	9/XX/2008
						2	9/XX/2008
						2	8/XX/2008
						2	8/XX/2008
						2	8/XX/2008
						2	8/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						3	7/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						2	6/XX/2008
						3	6/XX/2008
						3	6/XX/2008
						2	6/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						3	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	9/XX/2004
						2	9/XX/2004
						3	9/XX/2004
						3	9/XX/2004
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
	Reviewer Comment (2020-09-22): Subsequent AMC review was able to clear	09/22/2020				1	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						3	2/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						2	9/XX/2006
						2	9/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						2	8/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						2	7/XX/2006
						3	7/XX/2006
						3	7/XX/2006
						3	7/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						3	5/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						2	4/XX/2006
						2	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						3	3/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						3	12/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						3	11/XX/2005
						3	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						2	10/XX/2005
						2	10/XX/2005
						3	10/XX/2005
						3	10/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						3	9/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						3	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						2	8/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						2	6/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						3	2/XX/2005
						3	2/XX/2005
						3	2/XX/2005
						3	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						3	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						2	2/XX/2005
						3	2/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						3	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						3	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						3	1/XX/2005
						3	1/XX/2005
						3	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	9/XX/2004
						2	9/XX/2004
						3	9/XX/2004
						3	9/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						2	8/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						3	5/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	10/XX/2003
						2	10/XX/2003
						2	10/XX/2003
						2	10/XX/2003
						2	10/XX/2003
						3	10/XX/2003
						3	6/XX/2003
						2	8/XX/2002
						2	8/XX/2002
						3	8/XX/2002
						3	8/XX/2002
						3	8/XX/2002
						3	8/XX/2002
						3	10/XX/2001
						2	4/XX/2004
						3	11/XX/1998
						3	11/XX/1998
						2	11/XX/1998
						3	11/XX/1998
						2	11/XX/1998
						2	11/XX/1998
						2	11/XX/1998
						3	11/XX/1998
						2	11/XX/1998
						3	11/XX/1998
						3	11/XX/1998
						2	1/XX/2014
						3	1/XX/2014
						2	12/XX/2013
						2	12/XX/2013
						2	12/XX/2013
						3	11/XX/2013
						2	9/XX/2013
						2	9/XX/2013
						2	9/XX/2013
						2	9/XX/2013
						2	9/XX/2013
						2	9/XX/2013
						3	9/XX/2013
						2	4/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						3	4/XX/2013
						2	4/XX/2013
						3	4/XX/2013
						2	4/XX/2013
						3	4/XX/2013
						3	4/XX/2013
						3	4/XX/2013
						2	4/XX/2013
						2	4/XX/2013
						3	3/XX/2013
						2	3/XX/2013
						2	3/XX/2013
						2	2/XX/2013
						2	2/XX/2013
						2	1/XX/2013
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						3	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						2	11/XX/2012
						3	11/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						3	8/XX/2012
						3	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	8/XX/2012
						2	7/XX/2012
						3	7/XX/2012
						3	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						2	7/XX/2012
						3	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	6/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						3	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						2	5/XX/2012
						3	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
						2	4/XX/2012
						2	4/XX/2012
						3	4/XX/2012
	Reviewer Comment (2020-03-06): Received appraisal from 2008. Exception remains					3	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						2	2/XX/2012
						3	2/XX/2012
						3	2/XX/2012
						3	2/XX/2012
						3	2/XX/2012
						3	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						3	1/XX/2012
						2	1/XX/2012
						2	1/XX/2012
						3	11/XX/2011
						2	11/XX/2011
						2	10/XX/2011
						2	10/XX/2011
						3	8/XX/2011
						2	6/XX/2011
						2	6/XX/2011
						2	6/XX/2011
						2	6/XX/2011
						2	6/XX/2011
						2	5/XX/2011
						2	5/XX/2011
						2	5/XX/2011
						2	5/XX/2011
						2	5/XX/2011
						2	5/XX/2011
						2	5/XX/2011
						3	5/XX/2011
						3	5/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						2	4/XX/2011
						3	4/XX/2011
						3	4/XX/2011
						2	4/XX/2011
						2	3/XX/2011
						3	3/XX/2011
						3	2/XX/2011
						2	2/XX/2011
						2	2/XX/2011
						2	2/XX/2011
						3	2/XX/2011
						3	1/XX/2011
						2	1/XX/2011
						3	12/XX/2010
						3	12/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						2	11/XX/2010
						3	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	10/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						2	9/XX/2010
						3	9/XX/2010
						3	9/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						3	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						2	8/XX/2010
						3	8/XX/2010
						3	8/XX/2010
						3	8/XX/2010
						2	8/XX/2010
						3	8/XX/2010
						3	8/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						2	6/XX/2010
						3	6/XX/2010
						3	6/XX/2010
						3	5/XX/2010
						2	5/XX/2010
						2	5/XX/2010
						2	5/XX/2010
						3	5/XX/2010
						3	5/XX/2010
						2	4/XX/2010
						3	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						3	4/XX/2010
						3	4/XX/2010
						3	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						3	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						2	4/XX/2010
						3	4/XX/2010
						3	4/XX/2010
						3	4/XX/2010
						2	4/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						3	3/XX/2010
						2	3/XX/2010
						3	3/XX/2010
						3	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	3/XX/2010
						2	1/XX/2010
						3	1/XX/2010
						3	1/XX/2010
						3	1/XX/2010
						2	1/XX/2010
						3	1/XX/2010
						2	1/XX/2010
						2	11/XX/2009
						3	11/XX/2009
						3	11/XX/2009
						2	11/XX/2009
						2	11/XX/2009
						2	9/XX/2009
						3	9/XX/2009
						2	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						3	9/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						3	7/XX/2009
						2	7/XX/2009
						3	7/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						3	7/XX/2009
						3	7/XX/2009
						3	7/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						2	7/XX/2009
						3	7/XX/2009
						3	7/XX/2009
						3	7/XX/2009
						2	5/XX/2009
						3	5/XX/2009
						2	4/XX/2009
						3	4/XX/2009
						2	1/XX/2009
						2	1/XX/2009
						3	1/XX/2009
						3	1/XX/2009
						3	1/XX/2009
						3	1/XX/2009
						2	1/XX/2009
						3	12/XX/2008
						2	12/XX/2008
						3	12/XX/2008
						2	12/XX/2008
						2	12/XX/2008
						3	12/XX/2008
						2	12/XX/2008
						3	12/XX/2008
						3	12/XX/2008
						2	12/XX/2008
						3	12/XX/2008
						2	11/XX/2008
						2	11/XX/2008
						3	7/XX/2008
						2	7/XX/2008
						2	7/XX/2008
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	10/XX/2008
						3	10/XX/2008
						2	10/XX/2008
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2008
						2	6/XX/2008
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2008
						2	6/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	6/XX/2008
						2	6/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	8/XX/2008
						3	8/XX/2008
						2	8/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						3	6/XX/2008
						2	6/XX/2008
						2	6/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						3	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						3	5/XX/2008
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2008
						2	5/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2008
						2	5/XX/2007
						2	4/XX/2008
						2	4/XX/2008
						2	4/XX/2008
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	4/XX/2008
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2006
						2	5/XX/2006
						3	5/XX/2006
						2	5/XX/2007
						3	5/XX/2007
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						2	4/XX/2007
						2	4/XX/2007
						2	3/XX/2008
						2	5/XX/2006
						3	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	5/XX/2006
						3	5/XX/2006
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2006
						2	4/XX/2006
						2	4/XX/2006
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	4/XX/2006
						2	4/XX/2006
						3	4/XX/2006
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2006
						3	4/XX/2006
						3	4/XX/2006
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	4/XX/2006
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	2/XX/2008
						2	2/XX/2008
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	2/XX/2008
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	2/XX/2008
						2	2/XX/2008
						3	2/XX/2008
						2	4/XX/2007
						2	4/XX/2007
						3	4/XX/2007
						2	4/XX/2007
						2	4/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	3/XX/2007
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2007
						3	3/XX/2007
						3	3/XX/2007
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	3/XX/2007
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	3/XX/2006
						2	3/XX/2006
						2	3/XX/2006
						3	3/XX/2006
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	3/XX/2007
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	12/XX/2007
						2	12/XX/2007
						3	2/XX/2006
						2	2/XX/2006
						2	2/XX/2006
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2006
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						3	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						3	2/XX/2006
						2	2/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						3	2/XX/2007
						3	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						3	1/XX/2006
						3	1/XX/2006
						3	2/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	1/XX/2006
						2	12/XX/2007
						2	12/XX/2007
						2	12/XX/2007
						2	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	1/XX/2006
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						3	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	11/XX/2007
						3	11/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	2/XX/2007
						2	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						3	12/XX/2005
						2	2/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	12/XX/2005
						2	12/XX/2005
						2	6/XX/2003
						2	6/XX/2003
						2	1/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						2	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	1/XX/2007
						3	1/XX/2007
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	1/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2005
						2	10/XX/2007
						2	10/XX/2007
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	10/XX/2007
						2	10/XX/2007
						2	12/XX/2006
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	10/XX/2007
						3	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						2	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						3	12/XX/2006
						2	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						3	10/XX/2007
						3	12/XX/2006
						2	12/XX/2006
						2	12/XX/2006
						2	9/XX/2005
						2	12/XX/2006
						2	10/XX/2007
						2	12/XX/2006
						2	12/XX/2006
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	12/XX/2006
						2	12/XX/2006
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	2/XX/2003
						2	2/XX/2003
						2	9/XX/2007
						2	9/XX/2007
						2	8/XX/2005
						2	8/XX/2005
						2	11/XX/2006
						2	11/XX/2006
						2	9/XX/2007
						3	8/XX/2005
						3	8/XX/2005
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						2	9/XX/2007
						3	9/XX/2007
						3	11/XX/2006
						2	11/XX/2006
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						2	7/XX/2005
						2	8/XX/2007
						2	8/XX/2007
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	7/XX/2005
						2	7/XX/2005
						3	7/XX/2005
						3	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						3	11/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	8/XX/2007
						2	8/XX/2007
						3	11/XX/2006
						2	11/XX/2006
						3	11/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	6/XX/2005
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	8/XX/2007
						2	8/XX/2007
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	8/XX/2007
						2	8/XX/2007
						2	8/XX/2007
						3	8/XX/2007
						3	8/XX/2007
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						2	5/XX/2005
						3	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						2	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						3	9/XX/2006
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2002
						2	7/XX/2007
						2	7/XX/2007
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	4/XX/2005
						2	4/XX/2005
						3	4/XX/2005
						3	6/XX/2002
						3	6/XX/2002
						2	6/XX/2002
						3	6/XX/2002
						2	7/XX/2007
						2	9/XX/2006
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	6/XX/2002
						3	6/XX/2002
						3	6/XX/2002
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	9/XX/2006
						3	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	3/XX/2005
						2	3/XX/2005
						2	3/XX/2005
						3	3/XX/2005
						3	3/XX/2005
						2	3/XX/2005
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	3/XX/2005
						3	3/XX/2005
						2	9/XX/2006
						2	9/XX/2006
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	8/XX/2006
						2	2/XX/2005
						2	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	7/XX/2007
						3	7/XX/2007
						3	7/XX/2007
						2	7/XX/2007
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	12/XX/2001
						2	12/XX/2001
						2	12/XX/2001
						2	8/XX/2006
						3	8/XX/2006
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						2	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						3	8/XX/2006
						3	12/XX/2004
						2	12/XX/2004
						2	12/XX/2004
						2	11/XX/2001
						3	11/XX/2001
						3	11/XX/2001
						2	12/XX/2004
						2	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						3	12/XX/2004
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	7/XX/2006
						3	7/XX/2006
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	11/XX/2004
						3	11/XX/2004
						3	11/XX/2004
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	11/XX/2004
						3	11/XX/2004
						2	11/XX/2004
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						2	7/XX/2006
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2006
						2	6/XX/2006
						3	6/XX/2006
						3	6/XX/2006
						2	10/XX/2004
						2	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						3	10/XX/2004
						2	10/XX/2004
						3	10/XX/2004
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						3	9/XX/2004
						3	9/XX/2004
						3	9/XX/2004
						2	9/XX/2004
						2	9/XX/2004
						3	6/XX/2006
						2	6/XX/2007
						3	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						3	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	6/XX/2006
						3	6/XX/2006
						2	6/XX/2006
						2	8/XX/2004
						3	8/XX/2004
						2	8/XX/2004
						3	8/XX/2004
						3	5/XX/2006
						2	5/XX/2006
						2	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						3	8/XX/2004
						2	11/XX/2003
						3	11/XX/2003
						2	7/XX/2004
						2	7/XX/2004
						3	7/XX/2004
						3	7/XX/2004
						2	7/XX/2004
						2	7/XX/2004
						3	6/XX/2004
						3	6/XX/2004
						2	6/XX/2004
						2	6/XX/2004
						3	6/XX/2004
						2	6/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						3	5/XX/2004
						2	5/XX/2004
						3	5/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						3	4/XX/2004
						2	4/XX/2004
						3	4/XX/2004
						2	10/XX/2006
						2	10/XX/2006
						2	10/XX/2006
						3	10/XX/2006
						3	10/XX/2006
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	1/XX/2008
						2	5/XX/2007
						2	5/XX/2007
						3	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						2	11/XX/2005
						2	11/XX/2005
						3	11/XX/2005
						2	11/XX/2005
						2	3/XX/2008
						2	1/XX/2005
						2	1/XX/2005
						2	1/XX/2005
						3	10/XX/2007
						2	10/XX/2007
						2	10/XX/2007
						2	1/XX/2007
						2	3/XX/2008
						2	3/XX/2008
						2	3/XX/2008
						3	3/XX/2008
						2	3/XX/2008
						2	5/XX/2008
						3	5/XX/2008
						2	5/XX/2008
						2	5/XX/2008
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	11/XX/2010
						2	11/XX/2010
						3	9/XX/2008
						2	9/XX/2008
						2	4/XX/2008
						2	3/XX/2008
	Reviewer Comment (2019-05-20): Subsequent AMC review was able to clear.	05/20/2019				1	2/XX/2008
	Reviewer Comment (2019-05-20): Subsequent AMC review was able to clear.	05/20/2019				1	2/XX/2008
						2	2/XX/2008
	Reviewer Comment (2019-05-20): Subsequent AMC review was able to clear.	05/20/2019				1	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						3	2/XX/2008
						2	1/XX/2008
						2	1/XX/2008
						3	1/XX/2008
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						2	11/XX/2007
						2	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
						3	11/XX/2007
	Reviewer Comment (2019-05-31): Subsequent AMC review was able to clear.	05/31/2019				1	9/XX/2007
	Reviewer Comment (2019-05-31): Subsequent AMC review was able to clear.	05/31/2019				1	9/XX/2007
	Reviewer Comment (2019-05-31): Subsequent AMC review was able to clear.	05/31/2019				1	9/XX/2007
						2	9/XX/2007
	Reviewer Comment (2019-05-31): Subsequent AMC review was able to clear.	05/31/2019				1	9/XX/2007
	Reviewer Comment (2019-05-31): Subsequent AMC review was able to clear.	05/31/2019				1	9/XX/2007
	Reviewer Comment (2019-05-31): Subsequent AMC review was able to clear.	05/31/2019				1	9/XX/2007
	Reviewer Comment (2019-05-31): Subsequent AMC review was able to clear.	05/31/2019				1	9/XX/2007
	Reviewer Comment (2019-05-31): Subsequent AMC review was able to clear.	05/31/2019				1	9/XX/2007
	Reviewer Comment (2019-05-31): Subsequent AMC review was able to clear.	05/31/2019				1	9/XX/2007
						2	9/XX/2007
						2	9/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						2	6/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						2	5/XX/2007
						3	5/XX/2007
						3	5/XX/2007
						2	3/XX/2007
						3	3/XX/2007
						2	2/XX/2007
						3	2/XX/2007
						2	2/XX/2007
						2	12/XX/2005
						3	12/XX/2005
						2	12/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						2	9/XX/2005
						3	9/XX/2005
						2	9/XX/2005
						2	8/XX/2005
						2	5/XX/2005
						2	5/XX/2005
						3	5/XX/2005
						3	5/XX/2005
						2	9/XX/2004
						3	9/XX/2004
						2	9/XX/2004
						3	9/XX/2004
						3	1/XX/2004
						3	1/XX/2004
						2	7/XX/2003
						2	7/XX/2003
						2	2/XX/2014
						2	2/XX/2014
						3	2/XX/2014
						2	2/XX/2014
						3	2/XX/2014
						1	2/XX/2014
						3	2/XX/2014

Property State	Occupancy	Purpose	Exception Remediation	Originator QM ATR Status	TPR QM ATR Status	Is Curable
IL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
IL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
IL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
IL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
IL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
LA	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
LA	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
LA	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
LA	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
LA	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NC	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NC	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NC	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NC	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NC	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
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	Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Limited Cash-out GSE	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable	Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MI	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MI	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MI	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MI	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MI	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MI	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
LA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
LA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
LA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
LA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
AL	Investment	Refinance - Rate/Term		N/A	N/A	No
AL	Investment	Refinance - Rate/Term		N/A	N/A	No
AL	Investment	Refinance - Rate/Term		N/A	N/A	No
GA	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
GA	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
GA	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
DC	Primary	Refinance - Cash-out - Other				No
DC	Primary	Refinance - Cash-out - Other				No
DC	Primary	Refinance - Cash-out - Other				No
DC	Primary	Refinance - Cash-out - Other				No
DC	Primary	Refinance - Cash-out - Other				No
DC	Primary	Refinance - Cash-out - Other				No
DC	Primary	Refinance - Cash-out - Other				No
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			No
DC	Primary	Refinance - Cash-out - Other				No
DC	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
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			No
FL	Primary	Refinance - Cash-out - Other				No
MS	Primary	Purchase				No
MS	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
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			No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
KY	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
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			No
NH	Primary	Refinance - Rate/Term				No
NH	Primary	Refinance - Rate/Term				No
NH	Primary	Refinance - Rate/Term				No
NH	Primary	Refinance - Rate/Term				No
NH	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term	No Defined Cure			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
AR	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	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			No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
MI	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
KS	Primary	Refinance - Rate/Term				No
KS	Primary	Refinance - Rate/Term				No
FL	Investment	Refinance - Rate/Term				No
FL	Investment	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
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			No
CT	Primary	Purchase				No
DE	Primary	Refinance - Rate/Term				No
DE	Primary	Refinance - Rate/Term				No
DE	Primary	Refinance - Rate/Term				No
DE	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
DE	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
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			No
NJ	Primary	Refinance - Rate/Term				No
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			No
NJ	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
NY	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			No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
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			No
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			No
AZ	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
MA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
MA	Primary	Refinance - Rate/Term				No
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			No
MA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
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			No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
VA	Investment	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
IA	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			No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
IA	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	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			No
ME	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
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			No
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			No
MD	Primary	Refinance - Rate/Term				No
IA	Primary	Purchase	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
IA	Primary	Purchase				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
VA	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
VA	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Cash-out - Debt Consolidation	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
WV	Primary	Refinance - Rate/Term				No
WV	Primary	Refinance - Rate/Term				No
WV	Primary	Refinance - Rate/Term				No
WV	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
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			No
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			No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	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			No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term	No Defined Cure			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
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			No
GA	Primary	Purchase	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term	No Defined Cure			No
VA	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
CT	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
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			No
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			No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
NY	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
GA	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
IL	Primary	Refinance - Rate/Term				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
DE	Primary	Refinance - Rate/Term				No
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			No
NC	Primary	Refinance - Rate/Term				No
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			No
NC	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
MT	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NC	Primary	Refinance - Rate/Term				No
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			No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
GA	Primary	Refinance - Cash-out - Other				No
AZ	Primary	UTD - UTD				No
AZ	Primary	UTD - UTD				No
AZ	Primary	UTD - UTD				No
AZ	Primary	UTD - UTD				No
AZ	Primary	UTD - UTD				No
AZ	Primary	UTD - UTD				No
AZ	Primary	UTD - UTD				No
AZ	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AZ	Primary	UTD - UTD				No
AZ	Primary	UTD - UTD				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
NY	Primary	Refinance - Rate/Term				No
NY	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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
DE	Primary	Refinance - Cash-out - Other				No
DE	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
GA	Investment	Refinance - Rate/Term				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
WV	Primary	Refinance - Cash-out - Debt Consolidation				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
DE	Investment	Refinance - Cash-out - Other				No
DE	Investment	Refinance - Cash-out - Other				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
MS	Primary	Refinance - Cash-out - Other				No
MS	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MS	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Rate/Term				No
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			No
SC	Primary	Construction-Permanent				No
SC	Primary	Construction-Permanent				No
SC	Primary	Construction-Permanent				No
SC	Primary	Construction-Permanent				No
SC	Primary	Construction-Permanent				No
SC	Primary	Construction-Permanent				No
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			No
MT	Primary	Refinance - Cash-out - Other				No
MT	Primary	Refinance - Cash-out - Other				No
MT	Primary	Refinance - Cash-out - Other				No
MT	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Refinance - Rate/Term				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
MO	Primary	Purchase				No
MO	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
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
AZ	Investment	Purchase				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
NE	Primary	Purchase				No
PA	Primary	Construction-Permanent				No
PA	Primary	Construction-Permanent				No
PA	Primary	Construction-Permanent				No
PA	Primary	Construction-Permanent				No
PA	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			No
PA	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			No
PA	Primary	Construction-Permanent				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
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			No
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			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
FL	Second Home	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Purchase				No
WA	Primary	Purchase	No Defined Cure			No
WA	Primary	Purchase	No Defined Cure			No
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			No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
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			No
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			No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term	No Defined Cure			No
CO	Primary	Refinance - Rate/Term	No Defined Cure			No
WA	Primary	Purchase				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Second Home	Refinance - UTD				No
AZ	Second Home	Refinance - UTD				No
AZ	Second Home	Refinance - UTD				No
AZ	Second Home	Refinance - UTD				No
AZ	Second Home	Refinance - UTD				No
AZ	Second Home	Refinance - UTD				No
AZ	Second Home	Refinance - UTD				No
AZ	Second Home	Refinance - UTD				No
AZ	Second Home	Refinance - UTD				No
MA	Primary	Refinance - Cash-out - Other				No
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			No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
ME	Primary	Purchase				No
ME	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
IN	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Other				No
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			No
WI	Primary	Refinance - Cash-out - Other				No
MS	Primary	Purchase				No
MS	Primary	Purchase				No
MS	Primary	Purchase				No
WI	UTD	Refinance - UTD				No
WI	UTD	Refinance - UTD				No
WI	UTD	Refinance - UTD				No
WI	UTD	Refinance - UTD				No
WI	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
WI	UTD	Refinance - UTD				No
WI	UTD	Refinance - UTD				No
WI	UTD	Refinance - UTD				No
WI	UTD	Refinance - UTD				No
WI	UTD	Refinance - UTD				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
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			No
AZ	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
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			No
IL	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
AR	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			No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
IL	Primary	Purchase				No
MS	Primary	Refinance - Cash-out - Other				No
MS	Primary	Refinance - Cash-out - Other				No
MS	Primary	Refinance - Cash-out - Other				No
MS	Primary	Refinance - Cash-out - Other				No
MS	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
LA	Primary	Refinance - Cash-out - Other				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
KS	Primary	Refinance - Rate/Term				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
KS	Primary	Purchase				No
FL	Primary	Purchase				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD				No
NY	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NY	UTD	UTD - UTD				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Purchase				No
MO	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Other				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
LA	Primary	UTD - UTD				No
LA	Primary	UTD - UTD				No
LA	Primary	UTD - UTD				No
LA	Primary	UTD - UTD				No
LA	Primary	UTD - UTD				No
LA	Primary	UTD - UTD				No
LA	Primary	UTD - UTD				No
LA	Primary	UTD - UTD				No
LA	Primary	UTD - UTD				No
LA	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
LA	Primary	UTD - UTD				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	UTD - UTD				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
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			No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
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			No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
CA	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Other				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD				No
GA	Primary	UTD - UTD				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
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			No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
VT	Primary	Purchase				No
VT	Primary	Purchase				No
VT	Primary	Purchase				No
VT	Primary	Purchase				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MI	UTD	UTD - UTD				No
MI	UTD	UTD - UTD				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
CA	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD				No
SC	UTD	Refinance - UTD				No
DE	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			No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
IN	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other	No Defined Cure			No
OR	Primary	Refinance - Cash-out - Other	No Defined Cure			No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
MS	Primary	Refinance - Rate/Term				No
MS	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			No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	Primary	Refinance - UTD				No
NH	Primary	Purchase				No
NH	Primary	Purchase				No
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			No
NH	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
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
MI	Primary	Purchase				No
IN	Primary	Refinance - Rate/Term	No Defined Cure			No
IN	Primary	Refinance - Rate/Term	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
WA	UTD	Purchase				No
FL	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
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			No
VA	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
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			No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MS	Primary	Purchase				No
KY	Primary	Purchase				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
OK	Primary	Purchase				No
OK	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
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
CO	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
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			No
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			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
TX	Primary	Refinance - Rate/Term				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase	No Defined Cure			No
NV	Primary	Purchase	No Defined Cure			No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
TN	Primary	Purchase				No
MD	Primary	Purchase				No
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			No
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			No
PA	Investment	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MD	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
NY	Primary	Purchase				No
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			No
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			No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
MT	Primary	Purchase				No
MT	Primary	Purchase				No
MT	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
CT	Investment	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	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
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other	No Defined Cure			No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other	No Defined Cure			No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
WA	UTD	Refinance - UTD				No
WA	UTD	Refinance - UTD				No
WA	UTD	Refinance - UTD				No
WA	UTD	Refinance - UTD				No
WA	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
WA	UTD	Refinance - UTD				No
WA	UTD	Refinance - UTD				No
WA	UTD	Refinance - UTD				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
DE	Primary	Purchase				No
DE	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
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			No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
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
FL	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
FL	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD	No Defined Cure			No
CA	UTD	UTD - UTD	No Defined Cure			No
CA	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - UTD				No
NV	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
CA	UTD	Refinance - Rate/Term				No
CA	UTD	Refinance - Rate/Term				No
CA	UTD	Refinance - Rate/Term				No
CA	UTD	Refinance - Rate/Term				No
CA	UTD	Refinance - Rate/Term				No
CA	UTD	Refinance - Rate/Term	No Defined Cure			No
CA	UTD	Refinance - Rate/Term	No Defined Cure			No
CA	UTD	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	UTD	Refinance - Rate/Term				No
CA	UTD	Refinance - Rate/Term				No
CA	UTD	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
PA	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase	No Defined Cure			No
MO	Primary	Purchase				No
MO	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
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MD	Primary	Purchase				No
TX	Primary	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	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
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase	No Defined Cure			No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
OR	Primary	Refinance - Cash-out - Other				No
OR	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			No
NY	Primary	Refinance - Cash-out - Home Improvement				No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
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			No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
MD	Primary	Refinance - Rate/Term				No
GA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase	No Defined Cure			No
WA	Primary	Purchase	No Defined Cure			No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MI	Primary	Refinance - UTD				No
CA	Primary	Refinance - Rate/Term				No
OK	Primary	Purchase				No
OK	Primary	Purchase				No
OK	Primary	Purchase				No
NE	Primary	Refinance - Rate/Term				No
NE	Primary	Refinance - Rate/Term				No
NE	Primary	Refinance - Rate/Term				No
NE	Primary	Refinance - Rate/Term				No
NE	Primary	Refinance - Rate/Term				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
AZ	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
CT	Primary	Refinance - UTD				No
CT	Primary	Refinance - UTD				No
CT	Primary	Refinance - UTD				No
CT	Primary	Refinance - UTD				No
CT	Primary	Refinance - UTD				No
CT	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CT	Primary	Refinance - UTD				No
CT	Primary	Refinance - UTD				No
CT	Primary	Refinance - UTD				No
CT	Primary	Refinance - UTD				No
CT	Primary	Refinance - UTD				No
MD	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Cash-out - Debt Consolidation				No
SC	Primary	Refinance - Cash-out - Debt Consolidation				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
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			No
MO	Primary	Purchase				No
PA	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CO	Primary	Refinance - Cash-out - Other				No
CO	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term	No Defined Cure			No
IL	Primary	Refinance - Rate/Term	No Defined Cure			No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
OK	Primary	Purchase				No
NY	Primary	Purchase				No
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			No
NY	Primary	Purchase				No
ND	Primary	Purchase				No
ND	Primary	Purchase				No
ND	Primary	Purchase				No
NH	Primary	Purchase				No
NH	Primary	Purchase				No
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			No
NH	Primary	Purchase				No
NH	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
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			No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
NE	Primary	Purchase				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
NC	UTD	UTD - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AZ	Primary	Refinance - UTD				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term	No Defined Cure			No
MD	Primary	Refinance - Rate/Term	No Defined Cure			No
NV	Primary	Refinance - Cash-out - Other				No
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			No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase	No Defined Cure			No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
DE	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - UTD				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Purchase				No
DE	Primary	Purchase				No
DE	Primary	Purchase				No
DE	Primary	Purchase				No
DE	Primary	Purchase				No
KS	Primary	Purchase				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Refinance - Rate/Term				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
MA	Primary	Purchase				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
MO	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
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Rate/Term				No
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			No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Investment	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD	No Defined Cure			No
FL	Primary	Refinance - UTD	No Defined Cure			No
FL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	Primary	Refinance - UTD				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	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
VT	Primary	Refinance - Rate/Term				No
VT	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Purchase				No
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
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
CO	Primary	Purchase				No
GA	Primary	Purchase				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
NC	Primary	Purchase				No
OK	Primary	Refinance - Rate/Term				No
OK	Primary	Refinance - Rate/Term				No
OK	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CT	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
MD	UTD	UTD - UTD				No
NJ	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
MN	Primary	UTD - UTD				No
MN	Primary	UTD - UTD				No
MN	Primary	UTD - UTD				No
MN	Primary	UTD - UTD				No
MN	Primary	UTD - UTD				No
MN	Primary	UTD - UTD				No
MN	Primary	UTD - UTD				No
MN	Primary	UTD - UTD				No
MN	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MN	Primary	UTD - UTD				No
MN	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
TX	Primary	Purchase				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	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			No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
IL	Primary	Refinance - UTD				No
IL	Primary	Refinance - UTD				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
SD	Primary	Purchase				No
SD	Primary	Purchase				No
SD	Primary	Purchase				No
NJ	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
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
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
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			No
WA	Primary	Refinance - Cash-out - Other				No
NC	Primary	Purchase				No
NC	Primary	Purchase	No Defined Cure			No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
DE	Primary	Purchase				No
DE	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
WV	Primary	Purchase				No
WV	Primary	Purchase				No
WV	Primary	Purchase				No
NJ	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other	No Defined Cure			No
OR	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
FL	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
GA	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MI	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	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
AZ	Primary	Refinance - Rate/Term				No
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			No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase	No Defined Cure			No
MN	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
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			No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
WI	Primary	Refinance - Cash-out - Debt Consolidation				No
WI	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Other	No Defined Cure			No
MO	Primary	Refinance - Cash-out - Other	No Defined Cure			No
MO	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
CA	Second Home	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
NY	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			No
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			No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
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			No
GA	Primary	Refinance - Rate/Term				No
NM	Primary	Purchase				No
NM	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Purchase				No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable			No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
PA	Primary	Purchase				No
WV	Primary	Refinance - Cash-out - Other				No
WV	Primary	Refinance - Cash-out - Other				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other				No
KS	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
TX	Primary	Purchase				No
SC	Primary	Refinance - Cash-out - Debt Consolidation				No
SC	Primary	Refinance - Cash-out - Debt Consolidation				No
SC	Primary	Refinance - Cash-out - Debt Consolidation				No
SC	Primary	Refinance - Cash-out - Debt Consolidation				No
SC	Primary	Refinance - Cash-out - Debt Consolidation				No
SC	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
VA	Primary	Purchase				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
MI	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
NV	Primary	Refinance - Rate/Term				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	UTD - UTD				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NY	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	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
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
KY	Primary	Refinance - Cash-out - Other				No
KY	Primary	Refinance - Cash-out - Other				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
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			No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Purchase				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
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			No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
GA	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
CT	Primary	Purchase	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
ME	Primary	Refinance - Cash-out - Debt Consolidation				No
ME	Primary	Refinance - Cash-out - Debt Consolidation				No
ME	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
ME	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			No
ME	Primary	Refinance - Cash-out - Debt Consolidation				No
ME	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other	No Defined Cure			No
NV	Primary	Refinance - Cash-out - Other	No Defined Cure			No
NV	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Cash-out - Other				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
TX	Primary	Purchase				No
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			No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
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			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	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			No
FL	Primary	Purchase				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Purchase				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
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			No
WY	Primary	Purchase				No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
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			No
MD	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
SC	Investment	Purchase				No
SC	Investment	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
GA	Primary	Construction-Permanent				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase	No Defined Cure			No
NJ	Primary	Purchase	No Defined Cure			No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
TN	Primary	Refinance - Cash-out - Other				No
TN	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			No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
AZ	Investment	Refinance - Cash-out - Other				No
AZ	Investment	Refinance - Rate/Term				No
AZ	Investment	Refinance - Rate/Term				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
AZ	Second Home	Purchase				No
AZ	Second Home	Purchase				No
AZ	Second Home	Purchase				No
AZ	Second Home	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase	No Defined Cure			No
IN	Primary	Purchase				No
VA	Primary	Purchase				No
MO	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Rate/Term				No
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			No
OR	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
NJ	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase	No Defined Cure			No
MA	Primary	Purchase				No
MN	Primary	Purchase	No Defined Cure			No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NY	Primary	Purchase	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
MI	Primary	Purchase				No
IA	Primary	Refinance - Cash-out - Other				No
IA	Primary	Refinance - Cash-out - Other				No
IA	Primary	Refinance - Cash-out - Other				No
IA	Primary	Refinance - Cash-out - Other				No
IA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
IA	Primary	Refinance - Cash-out - Other				No
IA	Primary	Refinance - Cash-out - Other				No
IA	Primary	Refinance - Cash-out - Other				No
DE	Primary	Purchase				No
MD	Primary	Purchase				No
FL	Second Home	Purchase				No
FL	Second Home	Purchase				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
VA	Primary	UTD - UTD				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MA	Primary	Purchase				No
NY	Primary	Purchase	No Defined Cure			No
NY	Primary	Purchase	No Defined Cure			No
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			No
AR	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
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
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			No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other	No Defined Cure			No
IA	Primary	Purchase				No
MD	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
NY	Second Home	Purchase				No
MD	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase	No Defined Cure			No
GA	Primary	Purchase				No
GA	Investment	Purchase				No
GA	Investment	Purchase				No
GA	Investment	Purchase				No
GA	Investment	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	UTD - UTD				No
IL	Primary	UTD - UTD				No
IL	Primary	UTD - UTD				No
IL	Primary	UTD - UTD				No
IL	Primary	UTD - UTD				No
IL	Primary	UTD - UTD				No
IL	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
IL	Primary	UTD - UTD				No
IL	Primary	UTD - UTD				No
IL	Primary	UTD - UTD				No
MO	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NM	Primary	Refinance - Rate/Term				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase	No Defined Cure			No
NY	Primary	Purchase	No Defined Cure			No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
TX	Investment	Purchase				No
TX	Investment	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - UTD				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
TX	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase	No Defined Cure			No
MA	Primary	Purchase	No Defined Cure			No
MA	Primary	Purchase	No Defined Cure			No
NH	Primary	Purchase				No
NH	Primary	Purchase				No
NH	Primary	Purchase				No
NH	Primary	Purchase				No
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			No
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			No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD	No Defined Cure			No
MD	Primary	Refinance - UTD	No Defined Cure			No
MD	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
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			No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
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			No
NV	Primary	Purchase	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
IL	Primary	Purchase				No
IL	Primary	Purchase	No Defined Cure			No
IL	Primary	Purchase	No Defined Cure			No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	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			No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
KS	Primary	Purchase				No
KS	Primary	Purchase				No
KS	Primary	Purchase				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Investment	Refinance - Cash-out - Other				No
CA	Investment	Refinance - Cash-out - Other				No
CA	Investment	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	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			No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Other				No
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			No
GA	Primary	Purchase				No
OK	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
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			No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MI	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase	No Defined Cure			No
NJ	Primary	Purchase				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
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			No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
MD	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
GA	Second Home	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
MS	Primary	Refinance - Rate/Term				No
MS	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			No
FL	Primary	Construction-Permanent				No
NM	Primary	Refinance - Cash-out - Debt Consolidation				No
NM	Primary	Refinance - Cash-out - Debt Consolidation				No
NM	Primary	Refinance - Cash-out - Debt Consolidation				No
NM	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			No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
LA	Primary	Purchase				No
LA	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
PA	Investment	Purchase				No
PA	Investment	Purchase				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
MS	Primary	Refinance - Cash-out - Other				No
MS	Primary	Refinance - Cash-out - Other				No
MS	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
KY	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			No
KY	Primary	Refinance - Cash-out - Debt Consolidation				No
KY	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			No
KY	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			No
KY	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			No
FL	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase	No Defined Cure			No
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			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
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			No
TX	Primary	Refinance - Rate/Term				No
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 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.			No
MI	Investment	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
GA	Primary	Purchase				No
CT	Primary	Purchase				No
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			No
FL	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MN	Primary	Purchase				No
PA	Primary	UTD - UTD				No
PA	Primary	UTD - UTD				No
PA	Primary	UTD - UTD				No
PA	Primary	UTD - UTD				No
PA	Primary	UTD - UTD				No
PA	Primary	UTD - UTD				No
PA	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
PA	Primary	UTD - UTD				No
PA	Primary	UTD - UTD				No
PA	Primary	UTD - UTD				No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
NV	Primary	Purchase				No
NH	Primary	Purchase				No
NH	Primary	Purchase	No Defined Cure			No
IA	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase	No Defined Cure			No
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			No
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			No
FL	Primary	Refinance - Cash-out - Other				No
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			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
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			No
PA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
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			No
CT	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term	No Defined Cure			No
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			No
MI	Primary	Refinance - Rate/Term	No Defined Cure			No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NV	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
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			No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
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
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			No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Rate/Term				No
NH	Primary	Purchase	No Defined Cure			No
MD	Primary	Refinance - Cash-out - Other				No
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			No
MD	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Second Home	Refinance - UTD				No
FL	Second Home	Refinance - UTD				No
FL	Second Home	Refinance - UTD				No
FL	Second Home	Refinance - UTD				No
FL	Second Home	Refinance - UTD				No
FL	Second Home	Refinance - UTD				No
FL	Second Home	Refinance - UTD				No
FL	Second Home	Refinance - UTD				No
FL	Second Home	Refinance - UTD				No
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			No
MA	Primary	Purchase				No
IA	Primary	Purchase				No
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			No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Refinance - Cash-out - Other				No
IA	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
NJ	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
GA	Second Home	Purchase				No
GA	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			No
GA	Second Home	Purchase				No
GA	Second Home	Purchase				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
WI	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase	No Defined Cure			No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term	No Defined Cure			No
MI	Primary	Refinance - Rate/Term	No Defined Cure			No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
PA	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NY	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
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			No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term	No Defined Cure			No
MA	Primary	Refinance - Rate/Term	No Defined Cure			No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase	No Defined Cure			No
MI	Primary	Purchase				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MI	Primary	Refinance - Rate/Term				No
IN	Primary	Purchase				No
FL	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Investment	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	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			No
MO	Primary	Refinance - Rate/Term				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	UTD	Refinance - UTD				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
NY	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
WA	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			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
OK	Primary	Purchase				No
OK	Primary	Purchase				No
OK	Primary	Purchase	No Defined Cure			No
OK	Primary	Purchase	No Defined Cure			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
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			No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
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			No
IN	Primary	Refinance - Rate/Term				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
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			No
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			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
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			No
PA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
NM	Primary	Purchase				No
NM	Primary	Purchase				No
NM	Primary	Purchase				No
MI	Primary	Purchase				No
AL	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			No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
GA	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
MS	UTD	UTD - UTD				No
MS	UTD	UTD - UTD				No
MS	UTD	UTD - UTD				No
MS	UTD	UTD - UTD				No
MS	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MS	UTD	UTD - UTD				No
MS	UTD	UTD - UTD				No
MS	UTD	UTD - UTD				No
MS	UTD	UTD - UTD				No
MS	UTD	UTD - UTD				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
IL	UTD	UTD - UTD				No
IL	UTD	UTD - UTD				No
IL	UTD	UTD - UTD				No
IL	UTD	UTD - UTD				No
IL	UTD	UTD - UTD				No
IL	UTD	UTD - UTD				No
IL	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
IL	UTD	UTD - UTD				No
IL	UTD	UTD - UTD				No
IL	UTD	UTD - UTD				No
IL	UTD	UTD - UTD				No
GA	Primary	Purchase				No
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			No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term	No Defined Cure			No
GA	Primary	Refinance - Rate/Term	No Defined Cure			No
GA	Primary	Refinance - Rate/Term				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase	No Defined Cure			No
IL	Primary	Purchase	No Defined Cure			No
IL	Primary	Purchase				No
TX	Primary	Purchase				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
PA	Primary	Purchase				No
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			No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Cash-out - Other				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
AL	Primary	Purchase				No
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			No
MA	Primary	Refinance - Cash-out - Other				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD	No Defined Cure			No
NV	Primary	UTD - UTD	No Defined Cure			No
NV	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Investment	Refinance - Cash-out - Other				No
PA	Primary	Purchase				No
OH	Primary	UTD - UTD				No
OH	Primary	UTD - UTD				No
OH	Primary	UTD - UTD				No
OH	Primary	UTD - UTD				No
OH	Primary	UTD - UTD				No
OH	Primary	UTD - UTD				No
OH	Primary	UTD - UTD				No
OH	Primary	UTD - UTD				No
OH	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
OH	Primary	UTD - UTD				No
OH	Primary	UTD - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AL	Primary	Refinance - UTD				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase	No Defined Cure			No
NE	Primary	Purchase	No Defined Cure			No
NE	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
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			No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	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			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
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			No
NH	Primary	Purchase	No Defined Cure			No
NH	Primary	Purchase	No Defined Cure			No
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			No
NV	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
IL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
GA	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
FL	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
PA	Investment	Refinance - Cash-out - Debt Consolidation				No
PA	Investment	Refinance - Cash-out - Debt Consolidation				No
PA	Investment	Refinance - Cash-out - Debt Consolidation				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
GA	Investment	Refinance - Cash-out - Other				No
GA	Investment	Refinance - Cash-out - Other				No
GA	Investment	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	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			No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
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			No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
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			No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other	No Defined Cure			No
KS	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
KS	Primary	Refinance - Rate/Term				No
KS	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	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			No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
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			No
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			No
MI	Primary	Refinance - Rate/Term				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
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			No
IN	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
VA	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
OH	Investment	Refinance - Rate/Term				No
OH	Investment	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
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			No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
VA	Investment	Refinance - Rate/Term				No
VA	Investment	Refinance - Rate/Term				No
VA	Investment	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	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			No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
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			No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
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			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
CA	Investment	Refinance - Rate/Term				No
CA	Investment	Refinance - Rate/Term				No
CA	Investment	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	No Defined Cure			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
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			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
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			No
IN	Primary	Refinance - Rate/Term				No
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			No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
VA	UTD	Purchase				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
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			No
PA	Primary	Refinance - Rate/Term				No
NJ	Second Home	Refinance - Rate/Term				No
NJ	Second Home	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
NJ	Second Home	Refinance - Rate/Term				No
NJ	Second Home	Refinance - Rate/Term				No
NJ	Second Home	Refinance - Rate/Term				No
NJ	Second Home	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
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			No
GA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	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			No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
GA	Investment	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
MO	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
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			No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
IA	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
NY	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Cash-out - Debt Consolidation	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Purchase	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
DE	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
DE	Primary	Refinance - Rate/Term				No
DE	Primary	Refinance - Rate/Term				No
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			No
NC	Second Home	Refinance - Cash-out - Debt Consolidation	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
NC	Second Home	Refinance - Cash-out - Debt Consolidation				No
MN	Investment	Purchase				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
IL	UTD	Refinance - UTD				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
IN	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
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			No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
OK	Primary	Refinance - Rate/Term				No
OK	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
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			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
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			No
SC	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
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			No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
NH	Primary	Refinance - Rate/Term				No
NH	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
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			No
TX	Primary	Refinance - Rate/Term				No
NC	Investment	Refinance - Cash-out - Other				No
NH	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
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			No
AZ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
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			No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
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			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
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			No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MN	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			No
MN	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			No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
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			No
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			No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
NC	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
NC	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Rate/Term				No
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			No
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			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
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			No
IL	Primary	Refinance - Rate/Term				No
GA	Investment	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
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			No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MO	Primary	Purchase				No
SC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable			No
PA	Primary	Purchase				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
NY	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			No
NY	Primary	Refinance - Rate/Term				No
IN	Primary	Refinance - Rate/Term				No
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			No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
SC	Primary	Refinance - Cash-out - Other				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
AL	Primary	Refinance - Cash-out - Other				No
AL	Primary	Refinance - Cash-out - Other				No
AL	Primary	Refinance - Cash-out - Other				No
AL	Primary	Refinance - Cash-out - Other				No
AL	Primary	Refinance - Cash-out - Other				No
AL	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
AL	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
OK	Primary	Purchase				No
OK	Primary	Purchase				No
OK	Primary	Purchase				No
OK	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
AK	Primary	Refinance - Rate/Term				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
VA	Investment	Refinance - Rate/Term				No
VA	Investment	Refinance - Rate/Term				No
VA	Investment	Refinance - Rate/Term				No
VA	Investment	Refinance - Rate/Term				No
VA	Investment	Refinance - Rate/Term				No
VA	Investment	Refinance - Rate/Term				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase	No Defined Cure			No
IL	Investment	Refinance - Rate/Term				No
NC	Second Home	Refinance - Cash-out - Debt Consolidation				No
NC	Second Home	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			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term	No Defined Cure			No
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			No
RI	Investment	Purchase				No
FL	Investment	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
OK	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Rate/Term				No
NY	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			No
CO	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
MS	UTD	Refinance - Cash-out - Other				No
MS	UTD	Refinance - Cash-out - Other				No
MS	UTD	Refinance - Cash-out - Other				No
MS	UTD	Refinance - Cash-out - Other				No
MS	UTD	Refinance - Cash-out - Other				No
MS	UTD	Refinance - Cash-out - Other				No
MS	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			No
MS	UTD	Refinance - Cash-out - Other				No
MS	UTD	Refinance - Cash-out - Other				No
MS	UTD	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
WI	Primary	Refinance - Cash-out - Debt Consolidation				No
WI	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
AL	Primary	Purchase				No
NC	Second Home	Purchase				No
NC	Second Home	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
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			No
MS	Primary	Refinance - Cash-out - Debt Consolidation				No
MS	Primary	Refinance - Cash-out - Debt Consolidation				No
MS	Primary	Refinance - Cash-out - Debt Consolidation				No
MS	Primary	Refinance - Cash-out - Debt Consolidation				No
MS	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			No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
MI	Primary	Purchase				No
MI	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
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
CT	Primary	Refinance - Cash-out - Other				No
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			No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
KY	Investment	Refinance - UTD				No
KY	Investment	Refinance - UTD				No
KY	Investment	Refinance - UTD				No
FL	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
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			No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD	No Defined Cure			No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
PA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
KS	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
MD	Primary	Purchase				No
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			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Purchase				No
IN	Primary	Refinance - Cash-out - Debt Consolidation				No
IN	Primary	Refinance - Cash-out - Debt Consolidation				No
IN	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MS	Primary	Purchase				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase	No Defined Cure			No
GA	Primary	Purchase	No Defined Cure			No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Refinance - Cash-out - Other				No
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			No
NH	Primary	Refinance - Cash-out - Debt Consolidation				No
NH	Primary	Refinance - Cash-out - Debt Consolidation				No
NH	Primary	Refinance - Cash-out - Debt Consolidation				No
NH	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
IA	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
IA	Primary	Refinance - Rate/Term				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Other				No
HI	Primary	Refinance - Cash-out - Other				No
HI	Primary	Refinance - Cash-out - Other	No Defined Cure			No
HI	Primary	Refinance - Cash-out - Other	No Defined Cure			No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
IN	Primary	Purchase				No
SC	Primary	Refinance - Cash-out - Other				No
TX	Investment	Purchase				No
TX	Investment	Purchase				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Rate/Term				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
OH	UTD	Refinance - UTD				No
OH	UTD	Refinance - UTD				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
ME	Primary	Purchase				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MI	Primary	Refinance - UTD				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
TX	Primary	Refinance - Rate/Term				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NE	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
NJ	Primary	Purchase				No
LA	Primary	Refinance - Rate/Term				No
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			No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
VA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	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
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Purchase				No
VA	Primary	Purchase	No Defined Cure			No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
IL	Primary	Purchase				No
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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
MD	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
ME	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NY	Primary	Purchase				No
NJ	Primary	Purchase				No
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			No
NJ	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
OH	Primary	Refinance - UTD				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Cash-out - Other				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
LA	Primary	Refinance - Cash-out - Other				No
LA	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			No
LA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
LA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Cash-out - Other				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
NV	UTD	Purchase				No
NV	UTD	Purchase				No
NV	UTD	Purchase				No
NV	UTD	Purchase				No
NV	UTD	Purchase				No
NV	UTD	Purchase				No
NV	UTD	Purchase				No
NV	UTD	Purchase				No
NV	UTD	Purchase				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
AZ	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Home Improvement				No
PA	Primary	Refinance - Cash-out - Home Improvement	No Defined Cure			No
PA	Primary	Refinance - Cash-out - Home Improvement	No Defined Cure			No
PA	Primary	Refinance - Cash-out - Home Improvement	No Defined Cure			No
PA	Primary	Refinance - Cash-out - Home Improvement				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
SC	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
AL	Primary	Refinance - UTD				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
CT	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
NC	Investment	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
NM	Primary	Refinance - Cash-out - Other				No
NM	Primary	Refinance - Cash-out - Other				No
NM	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			No
NM	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
FL	Investment	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NH	Primary	Refinance - Cash-out - Other				No
NH	Primary	Refinance - Cash-out - Other				No
VA	Primary	Purchase				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	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			No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Investment	Refinance - Cash-out - Debt Consolidation				No
NC	Investment	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase	No Defined Cure			No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase	No Defined Cure			No
MN	Primary	Purchase	No Defined Cure			No
NJ	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
MS	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
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			No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Purchase				No
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			No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
IL	Primary	Refinance - Cash-out - Other				No
UT	Primary	UTD - UTD				No
UT	Primary	UTD - UTD				No
UT	Primary	UTD - UTD				No
UT	Primary	UTD - UTD				No
UT	Primary	UTD - UTD				No
UT	Primary	UTD - UTD				No
UT	Primary	UTD - UTD				No
UT	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
UT	Primary	UTD - UTD				No
UT	Primary	UTD - UTD				No
UT	Primary	UTD - UTD				No
GA	Primary	Purchase				No
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			No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IA	Primary	Refinance - Cash-out - Debt Consolidation				No
IA	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MD	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MS	Primary	Purchase				No
MS	Primary	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
MS	UTD	Purchase				No
FL	Primary	Purchase				No
PA	Investment	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
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			No
NJ	Primary	Refinance - Rate/Term				No
LA	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
DE	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
DE	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
MS	Primary	Refinance - Rate/Term				No
MS	Primary	Refinance - Rate/Term				No
MS	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Purchase				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Purchase				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
AZ	Primary	Purchase				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
OK	Primary	Refinance - Cash-out - Debt Consolidation				No
OK	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			No
OK	Primary	Refinance - Cash-out - Debt Consolidation				No
OK	Primary	Refinance - Cash-out - Debt Consolidation				No
OK	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			No
OK	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
MD	Primary	Purchase				No
LA	Primary	Refinance - Cash-out - Other				No
LA	Primary	Refinance - Cash-out - Other				No
LA	Primary	Refinance - Cash-out - Other				No
LA	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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
IN	Primary	Refinance - Cash-out - Debt Consolidation				No
IN	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
NM	Primary	Refinance - Cash-out - Other				No
NM	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	UTD - UTD				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
GA	Primary	Purchase				No
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			No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Cash-out - Other				No
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			No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other	No Defined Cure			No
AZ	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
WA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
HI	Primary	Purchase				No
HI	Primary	Purchase				No
HI	Primary	Purchase				No
HI	Primary	Purchase				No
HI	Primary	Purchase				No
HI	Primary	Purchase				No
HI	Primary	Purchase				No
HI	Primary	Purchase				No
FL	Primary	Purchase				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
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			No
RI	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
RI	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
CT	Primary	Purchase				No
CA	Second Home	Purchase				No
CA	Second Home	Purchase				No
CA	Second Home	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
KS	Primary	Purchase				No
KS	Primary	Purchase				No
KS	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
IN	Primary	Refinance - Cash-out - Other				No
GA	Primary	Purchase				No
PA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
TX	Primary	Purchase				No
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			No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
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			No
MS	Primary	Refinance - Rate/Term				No
MS	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AZ	Primary	Refinance - UTD				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
NC	Second Home	Purchase				No
NC	Second Home	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
OK	Primary	Refinance - Cash-out - Debt Consolidation				No
OK	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
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			No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
MD	Primary	Construction-Permanent				No
AZ	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
RI	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD				No
PA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	Primary	Refinance - Rate/Term				No
MT	Primary	Refinance - Cash-out - Debt Consolidation				No
MT	Primary	Refinance - Cash-out - Debt Consolidation				No
MT	Primary	Refinance - Cash-out - Debt Consolidation				No
MT	Primary	Refinance - Cash-out - Debt Consolidation				No
MT	Primary	Refinance - Cash-out - Debt Consolidation				No
NH	Primary	Refinance - Rate/Term				No
NH	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			No
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			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
MN	Investment	Refinance - Cash-out - Other				No
MN	Investment	Refinance - Cash-out - Other				No
MN	Investment	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
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			No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
RI	Primary	Refinance - Cash-out - Other				No
RI	Primary	Refinance - Cash-out - Other				No
RI	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Purchase				No
GA	Second Home	Purchase				No
SD	Primary	Refinance - Cash-out - Debt Consolidation				No
SD	Primary	Refinance - Cash-out - Debt Consolidation				No
IA	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
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			No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
GA	Primary	Purchase				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase	No Defined Cure			No
CA	UTD	Purchase	No Defined Cure			No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
CA	UTD	Purchase				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Second Home	Refinance - Cash-out - Debt Consolidation				No
MN	Second Home	Refinance - Cash-out - Debt Consolidation				No
MN	Second Home	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
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			No
CO	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	UTD - UTD				No
CA	Primary	UTD - UTD				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
PA	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
WI	Primary	UTD - UTD				No
IN	Primary	Purchase				No
IN	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	Primary	Refinance - Rate/Term	No Defined Cure			No
AL	Primary	Refinance - Rate/Term	No Defined Cure			No
VA	Primary	Refinance - Cash-out - Other				No
OH	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
TX	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
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			No
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			No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
MT	Primary	Refinance - Rate/Term				No
MT	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			No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
NM	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
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			No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CT	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	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			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
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			No
IL	Primary	Refinance - Rate/Term				No
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			No
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			No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
HI	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AL	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AL	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
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			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
VA	Investment	Refinance - Rate/Term				No
VA	Investment	Refinance - Rate/Term				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
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			No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Construction-Permanent				No
NC	Primary	Construction-Permanent				No
NC	Primary	Construction-Permanent				No
NC	Primary	Construction-Permanent				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MA	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase	No Defined Cure			No
NJ	Primary	Purchase	No Defined Cure			No
NJ	Primary	Purchase				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
FL	Primary	Purchase				No
WA	Investment	Refinance - Cash-out - Other				No
WA	Investment	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other	No Defined Cure			No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other	No Defined Cure			No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase				No
WV	Primary	Purchase				No
WV	Primary	Purchase				No
WV	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
KS	Primary	Purchase				No
KS	Primary	Purchase				No
KS	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
IL	UTD	Purchase				No
TN	Primary	Refinance - UTD				No
TN	Primary	Refinance - UTD				No
TN	Primary	Refinance - UTD				No
TN	Primary	Refinance - UTD				No
TN	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
TN	Primary	Refinance - UTD				No
TN	Primary	Refinance - UTD				No
TN	Primary	Refinance - UTD				No
TN	Primary	Refinance - UTD				No
TN	Primary	Refinance - UTD				No
TN	Primary	Refinance - UTD				No
AZ	Primary	Purchase				No
GA	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			No
GA	Primary	Refinance - Cash-out - Other				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	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
LA	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
MI	UTD	Purchase				No
MI	UTD	Purchase				No
MI	UTD	Purchase				No
MI	UTD	Purchase				No
MI	UTD	Purchase				No
MI	UTD	Purchase	No Defined Cure			No
MI	UTD	Purchase	No Defined Cure			No
MI	UTD	Purchase				No
MI	UTD	Purchase				No
MI	UTD	Purchase				No
MI	UTD	Purchase				No
MI	UTD	Purchase				No
MI	UTD	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Purchase				No
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			No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
AZ	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NJ	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Rate/Term				No
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			No
OH	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			No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
AL	Second Home	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	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
OR	Primary	Purchase				No
OR	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Other				No
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			No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
TX	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
WI	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
AL	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
AL	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Purchase				No
NM	Primary	Purchase				No
NM	Primary	Purchase				No
NM	Primary	Purchase				No
NM	Primary	Purchase				No
NM	Primary	Purchase				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
DE	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
AZ	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CT	Primary	Purchase				No
CT	Primary	Purchase	No Defined Cure			No
CT	Primary	Purchase	No Defined Cure			No
CT	Primary	Purchase	No Defined Cure			No
MS	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			No
MS	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			No
KS	Primary	Purchase				No
KS	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
NY	Primary	Purchase				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Other				No
MA	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
IN	Primary	Purchase				No
IN	Primary	Purchase				No
IN	Primary	Purchase				No
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			No
IA	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
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			No
NY	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	No Defined Cure			No
CA	Primary	Refinance - UTD	No Defined Cure			No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
MD	Primary	Purchase				No
MD	Primary	Purchase	No Defined Cure			No
IL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD	No Defined Cure			No
FL	Primary	Refinance - UTD	No Defined Cure			No
FL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
GA	Second Home	Purchase				No
GA	Second Home	Purchase				No
GA	Second Home	Purchase				No
GA	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			No
GA	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			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Investment	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
IL	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
NV	Primary	Refinance - Cash-out - Other				No
TN	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
TN	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Purchase				No
MS	Primary	Purchase				No
MS	Primary	Purchase				No
MS	Primary	Purchase				No
TX	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
PA	Primary	Purchase				No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable			No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
NH	Primary	Purchase				No
NH	Primary	Purchase	No Defined Cure			No
NH	Primary	Purchase	No Defined Cure			No
NY	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
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			No
MA	Primary	Refinance - Cash-out - Other				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
NC	Primary	UTD - UTD				No
NC	Primary	UTD - UTD				No
NC	Primary	UTD - UTD				No
NC	Primary	UTD - UTD				No
NC	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NC	Primary	UTD - UTD				No
NC	Primary	UTD - UTD				No
NC	Primary	UTD - UTD				No
NC	Primary	UTD - UTD				No
NC	Primary	UTD - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD	No Defined Cure			No
MI	Primary	Refinance - UTD	No Defined Cure			No
MI	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
MI	Primary	Refinance - UTD				No
FL	UTD	UTD - UTD				No
FL	UTD	UTD - UTD				No
FL	UTD	UTD - UTD				No
FL	UTD	UTD - UTD				No
FL	UTD	UTD - UTD				No
FL	UTD	UTD - UTD				No
FL	UTD	UTD - UTD				No
FL	UTD	UTD - UTD				No
FL	UTD	UTD - UTD				No
FL	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	UTD	UTD - UTD				No
NC	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
MS	Primary	Refinance - Cash-out - Debt Consolidation				No
MS	Primary	Refinance - Cash-out - Debt Consolidation				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
VA	Second Home	Purchase				No
VA	Second Home	Purchase				No
VA	Second Home	Purchase				No
VA	Second Home	Purchase				No
VA	Second Home	Purchase				No
VA	Second Home	Purchase				No
VA	Second Home	Purchase				No
VA	Second Home	Purchase				No
VA	Second Home	Purchase				No
NV	Investment	Purchase				No
MI	Second Home	Purchase				No
MI	Second Home	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	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
TX	Primary	Purchase				No
TX	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	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
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
IL	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
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			No
TN	Primary	Refinance - Cash-out - Debt Consolidation				No
AL	UTD	Purchase				No
AL	UTD	Purchase				No
AL	UTD	Purchase				No
AL	UTD	Purchase				No
AL	UTD	Purchase				No
AL	UTD	Purchase				No
AL	UTD	Purchase				No
AL	UTD	Purchase				No
AL	UTD	Purchase				No
AL	UTD	Purchase				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	No Defined Cure			No
FL	Primary	Refinance - Rate/Term	No Defined Cure			No
VA	Primary	Purchase				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
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			No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
MN	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other	No Defined Cure			No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase	No Defined Cure			No
TX	Primary	Purchase	No Defined Cure			No
TX	Primary	Purchase				No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
AR	Primary	Purchase				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
IL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
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			No
TN	Primary	Refinance - Rate/Term				No
TN	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			No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	UTD - UTD				No
MD	Primary	UTD - UTD				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
HI	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
AR	Primary	Refinance - Cash-out - Debt Consolidation				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term	No Defined Cure			No
LA	Primary	Refinance - Rate/Term	No Defined Cure			No
IN	Primary	Refinance - Cash-out - Other				No
IN	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			No
TN	Primary	Refinance - Cash-out - Debt Consolidation				No
TN	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
TN	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
NE	Primary	Refinance - UTD				No
NE	Primary	Refinance - UTD				No
NE	Primary	Refinance - UTD				No
NE	Primary	Refinance - UTD				No
NE	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
NE	Primary	Refinance - UTD				No
NY	Primary	Purchase	No Defined Cure			No
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			No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD				No
SC	Primary	UTD - UTD				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NV	Investment	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
AL	Primary	Purchase				No
AL	Primary	Purchase				No
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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
OH	UTD	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Other				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD				No
VA	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
VA	UTD	Refinance - UTD				No
NV	Primary	Purchase				No
CA	Primary	Purchase				No
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			No
CA	Primary	Purchase				No
CT	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			No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Cash-out - Debt Consolidation	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Purchase	No Defined Cure			No
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			No
ID	Primary	Refinance - Rate/Term				No
ID	Primary	Refinance - Rate/Term				No
ID	Primary	Refinance - Rate/Term				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
KS	Primary	Purchase				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
MO	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
WA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
AR	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
KY	Primary	Refinance - Rate/Term				No
RI	Primary	Refinance - Cash-out - Other				No
NY	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
AR	Primary	Refinance - Cash-out - Other				No
DE	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
TN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MN	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Refinance - Rate/Term				No
MI	Primary	Purchase				No
NY	Primary	Purchase				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other				No
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			No
NH	Primary	Purchase				No
NH	Primary	Purchase				No
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			No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase	No Defined Cure			No
NC	Primary	Purchase	No Defined Cure			No
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			No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
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			No
IN	Primary	Purchase				No
IN	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
FL	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CT	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
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			No
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			No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Purchase				No
OH	Primary	Purchase				No
FL	Primary	Purchase				No
PA	Primary	Purchase				No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
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			No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
MI	Investment	Purchase				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
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			No
MA	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
GA	Second Home	Purchase				No
GA	Second Home	Purchase				No
GA	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			No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
MN	Primary	Purchase				No
MN	Primary	Purchase	No Defined Cure			No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term	No Defined Cure			No
CT	Primary	Refinance - Rate/Term	No Defined Cure			No
LA	Primary	Refinance - UTD				No
LA	Primary	Refinance - UTD				No
LA	Primary	Refinance - UTD				No
LA	Primary	Refinance - UTD				No
LA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
LA	Primary	Refinance - UTD				No
LA	Primary	Refinance - UTD				No
LA	Primary	Refinance - UTD				No
LA	Primary	Refinance - UTD				No
LA	Primary	Refinance - UTD				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
GA	Investment	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
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			No
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			No
MS	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
MS	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
MI	Primary	Purchase				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
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			No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Home Improvement				No
MA	Primary	Refinance - Cash-out - Home Improvement				No
MA	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			No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
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			No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
CA	Investment	Refinance - Cash-out - Other				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase	No Defined Cure			No
NY	Primary	Purchase	No Defined Cure			No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
AL	Primary	Refinance - Rate/Term				No
KS	Primary	Refinance - Rate/Term				No
KS	Primary	Refinance - Rate/Term				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
KS	Primary	Refinance - Rate/Term				No
KS	Primary	Refinance - Rate/Term				No
KS	Primary	Refinance - Rate/Term				No
KS	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Purchase				No
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
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
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			No
TX	Primary	Purchase				No
LA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Second Home	Refinance - Rate/Term				No
CA	Second Home	Refinance - Rate/Term				No
CA	Second Home	Refinance - Rate/Term				No
CA	Second Home	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
SC	Primary	Refinance - UTD				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
SC	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
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			No
NJ	Primary	Refinance - Rate/Term				No
NH	Primary	Refinance - Rate/Term				No
NH	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
SD	Primary	Purchase				No
SD	Primary	Purchase				No
SD	Primary	Purchase				No
SD	Primary	Purchase				No
SD	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
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Rate/Term				No
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			No
MI	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
LA	Primary	Refinance - Cash-out - Debt Consolidation				No
LA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
KY	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
AR	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
AR	Primary	Purchase				No
AR	Primary	Purchase				No
KS	Primary	Refinance - Cash-out - Other				No
KS	Primary	Refinance - Cash-out - Other				No
KS	Primary	Refinance - Cash-out - Other				No
KS	Primary	Refinance - Cash-out - Other				No
KS	Primary	Refinance - Cash-out - Other				No
KS	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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
WA	Primary	Purchase				No
WA	Primary	Purchase	No Defined Cure			No
WA	Primary	Purchase	No Defined Cure			No
WA	Primary	Purchase				No
MS	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
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			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
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			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
NC	Primary	Construction-Permanent				No
NC	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			No
NC	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			No
NC	Primary	Construction-Permanent				No
NC	Primary	Construction-Permanent				No
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			No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
WI	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
MS	Primary	Refinance - Cash-out - Debt Consolidation				No
MS	Primary	Refinance - Cash-out - Debt Consolidation				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
WI	Primary	Refinance - Rate/Term				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Purchase				No
ID	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NV	Primary	Purchase				No
NY	Primary	Refinance - Rate/Term				No
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			No
MA	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
VA	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
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			No
MO	Investment	Refinance - Cash-out - Other				No
MO	Investment	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
TX	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
TX	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
TX	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
TX	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
TX	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NY	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NY	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	Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NY	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NC	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
NC	Primary	Refinance - Limited Cash-out GSE		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
FL	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
GA	Investment	Refinance - Rate/Term		N/A	N/A	No
GA	Investment	Refinance - Rate/Term		N/A	N/A	No
GA	Investment	Refinance - Rate/Term		N/A	N/A	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
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	Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Cash-out - Debt Consolidation		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Cash-out - Debt Consolidation		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Cash-out - Debt Consolidation	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check	Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
FL	Primary	Purchase				No
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
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
NM	Primary	Refinance - Cash-out - Debt Consolidation				No
NM	Primary	Refinance - Cash-out - Debt Consolidation				No
TX	Investment	Refinance - Rate/Term				No
TX	Investment	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
OH	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
NV	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
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			No
WA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
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			No
WA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
NJ	Investment	Refinance - Rate/Term				No
NJ	Investment	Refinance - Rate/Term				No
NY	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			No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
SC	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
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			No
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			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
TX	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
TX	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
MA	Primary	Refinance - Rate/Term				No
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			No
MA	Primary	Refinance - Rate/Term				No
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			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
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			No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Other				No
CA	Investment	Purchase				No
CA	Investment	Purchase				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
CA	Second Home	Refinance - Rate/Term				No
CA	Second Home	Refinance - Rate/Term				No
CA	Second Home	Refinance - Rate/Term				No
CA	Second Home	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
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			No
PA	Primary	Purchase				No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
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			No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Other				No
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			No
WA	Primary	Refinance - Cash-out - Other				No
AZ	Investment	Refinance - Rate/Term				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
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			No
CA	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
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			No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
FL	Primary	Purchase				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Purchase				No
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			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
SC	Primary	Refinance - Rate/Term				No
FL	Primary	Construction-Permanent				No
FL	Primary	Construction-Permanent				No
FL	Primary	Construction-Permanent				No
FL	Primary	Construction-Permanent				No
FL	Primary	Construction-Permanent				No
FL	Primary	Construction-Permanent				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
ID	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
OH	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
UT	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - Rate/Term				No
NY	Primary	Refinance - Rate/Term				No
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			No
DC	Primary	Refinance - Cash-out - Debt Consolidation				No
DC	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	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			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
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			No
CA	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
VA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Other				No
OR	Investment	Refinance - Cash-out - Other				No
AZ	UTD	Refinance - UTD				No
AZ	UTD	Refinance - UTD				No
AZ	UTD	Refinance - UTD				No
AZ	UTD	Refinance - UTD				No
AZ	UTD	Refinance - UTD				No
AZ	UTD	Refinance - UTD				No
AZ	UTD	Refinance - UTD				No
AZ	UTD	Refinance - UTD				No
AZ	UTD	Refinance - UTD	No Defined Cure			No
AZ	UTD	Refinance - UTD	No Defined Cure			No
AZ	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AZ	UTD	Refinance - UTD				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
FL	Primary	Refinance - Cash-out - Other				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase	No Defined Cure			No
CO	Primary	Purchase	No Defined Cure			No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
LA	Primary	Refinance - Cash-out - Other				No
LA	Primary	Refinance - Cash-out - Other				No
NM	Primary	Refinance - Cash-out - Debt Consolidation				No
NM	Primary	Refinance - Cash-out - Debt Consolidation				No
NM	Primary	Refinance - Cash-out - Debt Consolidation				No
NM	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
GA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
FL	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NM	Primary	Purchase				No
NM	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
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			No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NC	Primary	Purchase				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term	No Defined Cure			No
VA	Primary	Refinance - Rate/Term	No Defined Cure			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
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			No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
GA	Primary	Purchase				No
GA	Primary	Purchase	No Defined Cure			No
GA	Primary	Purchase	No Defined Cure			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	Investment	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other				No
MN	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase	No Defined Cure			No
AZ	Primary	Refinance - Cash-out - Other				No
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			No
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			No
AZ	Primary	Refinance - Cash-out - Other				No
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			No
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			No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD				No
AZ	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AZ	Primary	Refinance - UTD				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
KS	Primary	Purchase				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term	No Defined Cure			No
AZ	Primary	Refinance - Rate/Term	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
FL	Primary	Refinance - Cash-out - Other				No
OR	Primary	Purchase				No
OR	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
OR	Primary	Purchase				No
OR	Primary	Purchase				No
MD	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
TN	Primary	Purchase				No
TN	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term	No Defined Cure			No
CT	Primary	Refinance - Rate/Term	No Defined Cure			No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
TX	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
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			No
TN	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
GA	Primary	Refinance - UTD				No
GA	Primary	Refinance - UTD				No
GA	Primary	Refinance - UTD				No
GA	Primary	Refinance - UTD				No
GA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
GA	Primary	Refinance - UTD				No
GA	Primary	Refinance - UTD				No
GA	Primary	Refinance - UTD				No
GA	Primary	Refinance - UTD				No
GA	Primary	Refinance - UTD				No
GA	Primary	Refinance - UTD				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
UT	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other	No Defined Cure			No
AZ	Primary	Refinance - Cash-out - Other	No Defined Cure			No
WA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD				No
MN	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MN	Primary	Refinance - UTD				No
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			No
CA	Second Home	Purchase				No
CA	Second Home	Purchase				No
CA	Second Home	Purchase				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
IL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CT	Primary	Purchase				No
CT	Primary	Purchase				No
TX	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
AZ	Primary	Refinance - Rate/Term				No
FL	Investment	Purchase				No
FL	Investment	Purchase				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Purchase				No
MA	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
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
GA	Primary	Purchase				No
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			No
MA	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase	No Defined Cure			No
WA	Primary	Purchase	No Defined Cure			No
WA	Primary	Purchase				No
NC	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase	No Defined Cure			No
WA	Primary	Purchase	No Defined Cure			No
NM	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Rate/Term				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
NM	Primary	Refinance - Cash-out - Other				No
NM	Primary	Refinance - Cash-out - Other				No
NM	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
PA	Investment	Purchase				No
PA	Investment	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Purchase				No
UT	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
TN	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Cash-out - Other				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
MA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	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
MA	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
FL	Second Home	Purchase				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other	No Defined Cure			No
AZ	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase				No
PA	Primary	Purchase	No Defined Cure			No
PA	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
OR	Primary	Purchase				No
OR	Primary	Purchase	No Defined Cure			No
OR	Primary	Purchase	No Defined Cure			No
OR	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
CA	Primary	Refinance - Cash-out - Other				No
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			No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase	No Defined Cure			No
GA	Primary	Purchase				No
GA	Primary	Purchase	No Defined Cure			No
GA	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
AZ	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Purchase				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
AZ	Investment	Refinance - Cash-out - Other				No
AZ	Investment	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Purchase	No Defined Cure			No
AZ	Primary	Purchase				No
AZ	Primary	Purchase	No Defined Cure			No
FL	Primary	Refinance - Rate/Term	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
TX	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Other				No
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			No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
GA	Primary	Refinance - Cash-out - Other				No
CA	Investment	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Investment	Purchase				No
CA	Primary	Purchase				No
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			No
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			No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
AZ	Second Home	Purchase				No
AZ	Second Home	Purchase				No
AZ	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			No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Rate/Term	No Defined Cure			No
NJ	Primary	Refinance - Rate/Term	No Defined Cure			No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	UTD	Refinance - UTD				No
FL	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
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			No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
MA	Primary	Purchase				No
FL	Second Home	Purchase				No
FL	Second Home	Purchase				No
FL	Second Home	Purchase				No
AZ	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
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			No
IA	Primary	Purchase				No
IA	Primary	Purchase				No
TX	Primary	Purchase				No
IL	Primary	Refinance - Rate/Term				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term	No Defined Cure			No
LA	Primary	Refinance - Rate/Term	No Defined Cure			No
DE	Primary	Purchase				No
DE	Primary	Purchase				No
DE	Primary	Purchase				No
DE	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
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
MD	UTD	Refinance - UTD				No
MD	UTD	Refinance - UTD				No
MD	UTD	Refinance - UTD				No
MD	UTD	Refinance - UTD				No
MD	UTD	Refinance - UTD				No
MD	UTD	Refinance - UTD				No
MD	UTD	Refinance - UTD				No
MD	UTD	Refinance - UTD				No
MD	UTD	Refinance - UTD				No
MD	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	UTD	Refinance - UTD				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
MD	Primary	Purchase				No
FL	Investment	Purchase				No
FL	Investment	Purchase				No
GA	Primary	Purchase				No
WI	Primary	Refinance - Cash-out - Debt Consolidation				No
WI	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			No
WI	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
NJ	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
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			No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase	No Defined Cure			No
GA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
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			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
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			No
GA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase	No Defined Cure			No
NY	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	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			No
NV	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			No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD	No Defined Cure			No
CA	UTD	UTD - UTD	No Defined Cure			No
CA	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	UTD	UTD - UTD				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
TX	Investment	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
GA	Primary	Purchase				No
RI	Primary	Refinance - Cash-out - Other				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
PA	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
CA	Primary	Refinance - Cash-out - Other				No
OK	UTD	UTD - UTD				No
OK	UTD	UTD - UTD				No
OK	UTD	UTD - UTD				No
OK	UTD	UTD - UTD				No
OK	UTD	UTD - UTD				No
OK	UTD	UTD - UTD				No
OK	UTD	UTD - UTD				No
OK	UTD	UTD - UTD				No
OK	UTD	UTD - UTD				No
OK	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
OK	UTD	UTD - UTD				No
MA	Primary	Refinance - Rate/Term				No
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			No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
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			No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
OH	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
CA	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
MI	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
CA	Investment	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
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			No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
WA	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
OK	Primary	Purchase				No
OK	Primary	Purchase				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
PA	Primary	Refinance - Rate/Term				No
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			No
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			No
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			No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
UT	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
UT	Primary	Refinance - Rate/Term				No
AZ	Investment	Refinance - Rate/Term				No
AZ	Investment	Refinance - Rate/Term				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
KY	Primary	Purchase				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
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			No
MA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term	Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003)			No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
LA	Primary	Refinance - Rate/Term				No
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			No
LA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
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			No
DC	Primary	Purchase				No
DC	Primary	Purchase				No
DC	Primary	Purchase				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
NC	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
NC	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Rate/Term				No
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			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check			No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term	No Defined Cure			No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
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			No
MD	Primary	Refinance - Cash-out - Other				No
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			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
KS	Investment	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
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			No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
NC	Second Home	Refinance - Rate/Term				No
NC	Second Home	Refinance - Rate/Term				No
NC	Second Home	Refinance - Rate/Term				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term				No
AR	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
DC	Primary	Refinance - Rate/Term				No
DC	Primary	Refinance - Rate/Term				No
DC	Primary	Refinance - Rate/Term				No
DC	Primary	Refinance - Rate/Term				No
DC	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
DC	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
FL	Second Home	Purchase				No
FL	Second Home	Purchase				No
FL	Second Home	Purchase				No
FL	Second Home	Purchase				No
FL	Second Home	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
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			No
NC	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
UT	Investment	Refinance - Rate/Term				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
UT	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			No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
GA	Second Home	Purchase				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
GA	UTD	Purchase				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
IL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
CA	Primary	Refinance - Rate/Term				No
AZ	Primary	Purchase				No
TX	Primary	Purchase				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
OH	Investment	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
CA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
WA	Primary	Purchase				No
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			No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Investment	Refinance - Cash-out - Other				No
CA	Investment	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
DE	Primary	Refinance - Cash-out - Debt Consolidation				No
LA	Primary	Purchase				No
LA	Primary	Purchase				No
VA	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Rate/Term	No Defined Cure			No
OR	Primary	Refinance - Rate/Term	No Defined Cure			No
OR	Primary	Refinance - Rate/Term	No Defined Cure			No
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			No
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			No
OR	Primary	Refinance - Rate/Term				No
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			No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
VA	Primary	Purchase				No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
CT	Primary	Refinance - Rate/Term				No
CT	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Second Home	Purchase				No
CA	Second Home	Purchase				No
CA	Second Home	Purchase				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other	No Defined Cure			No
AZ	Primary	Refinance - Cash-out - Other	No Defined Cure			No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
NC	Primary	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
TX	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
FL	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
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			No
MD	Primary	Refinance - Rate/Term				No
CA	Second Home	Refinance - Cash-out - Other				No
CA	Second Home	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
UT	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			No
UT	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			No
MD	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Investment	Purchase				No
UT	Investment	Purchase				No
UT	Investment	Purchase				No
LA	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
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
UT	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	No Defined Cure			No
CA	Primary	Refinance - UTD	No Defined Cure			No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
MD	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
OR	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
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
FL	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
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			No
GA	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
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			No
MD	Primary	Refinance - Rate/Term				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
NJ	Primary	Purchase				No
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			No
TX	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	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			No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
RI	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Purchase				No
MD	Primary	Purchase	No Defined Cure			No
MD	Primary	Purchase	No Defined Cure			No
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			No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other	No Defined Cure			No
NJ	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
VA	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Rate/Term				No
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			No
CA	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
UT	Primary	Refinance - Cash-out - Other				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
TX	Primary	Purchase				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
MI	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
NJ	Primary	Refinance - Cash-out - Other				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Purchase				No
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			No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Other				No
NY	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
MD	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase	No Defined Cure			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	Second Home	Refinance - UTD				No
CA	Second Home	Refinance - UTD				No
CA	Second Home	Refinance - UTD				No
CA	Second Home	Refinance - UTD				No
CA	Second Home	Refinance - UTD				No
CA	Second Home	Refinance - UTD				No
CA	Second Home	Refinance - UTD				No
CA	Second Home	Refinance - UTD				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
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			No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
IL	Primary	Refinance - Rate/Term				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
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			No
CA	Investment	Refinance - Rate/Term				No
CA	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
FL	Primary	UTD - UTD				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD	No Defined Cure			No
CA	UTD	Refinance - UTD	No Defined Cure			No
CA	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
CA	UTD	Refinance - UTD				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	Investment	Refinance - Cash-out - Other				No
CA	Investment	Refinance - Cash-out - Other				No
NC	Primary	Refinance - Rate/Term				No
OK	Primary	Purchase				No
TX	Investment	Purchase				No
WA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
VA	Primary	Refinance - Rate/Term				No
VA	Primary	Refinance - Rate/Term	No Defined Cure			No
VA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
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			No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
WA	Primary	Refinance - Cash-out - Other				No
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			No
WA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Rate/Term				No
AZ	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CO	Primary	Purchase	No Defined Cure			No
CO	Primary	Purchase	No Defined Cure			No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD				No
NV	Primary	Refinance - UTD	No Defined Cure			No
NV	Primary	Refinance - UTD	No Defined Cure			No
NV	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NV	Primary	Refinance - UTD				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	UTD	Refinance - UTD				No
FL	UTD	Refinance - UTD				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
OR	Primary	Purchase				No
OR	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term	No Defined Cure			No
MO	Primary	Refinance - Rate/Term	No Defined Cure			No
MO	Primary	Refinance - Rate/Term	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
MO	Primary	Refinance - Rate/Term				No
MO	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
MI	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
WV	Primary	Refinance - Cash-out - Other				No
WV	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NY	Primary	Refinance - UTD				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
WI	Primary	Refinance - Cash-out - Other				No
MO	Primary	Refinance - Cash-out - Other				No
PA	Investment	Refinance - Cash-out - Other				No
PA	Investment	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
FL	Investment	Refinance - Cash-out - Debt Consolidation				No
FL	Investment	Refinance - Cash-out - Debt Consolidation				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
OH	Primary	Purchase	No Defined Cure			No
OH	Primary	Purchase	TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable			No
SC	Second Home	Purchase				No
SC	Second Home	Purchase				No
SC	Second Home	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
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			No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
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			No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
NY	Primary	Refinance - UTD				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Cash-out - Other				No
TX	Primary	Purchase				No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other	No Defined Cure			No
NV	Primary	Refinance - Cash-out - Other				No
NV	Primary	Refinance - Cash-out - Other	No Defined Cure			No
CO	Primary	Refinance - Cash-out - Debt Consolidation				No
CO	Primary	Refinance - Cash-out - Debt Consolidation				No
CO	Primary	Refinance - Cash-out - Debt Consolidation				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
NV	Primary	UTD - UTD				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
GA	Primary	Purchase				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
CT	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
MD	Primary	Refinance - UTD				No
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			No
FL	Primary	Refinance - Rate/Term				No
WI	Primary	Purchase				No
WI	Primary	Purchase				No
GA	Primary	Purchase				No
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			No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Investment	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CO	Investment	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
WA	Primary	Purchase				No
VA	Primary	Refinance - Cash-out - Other				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
WA	Primary	Purchase				No
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			No
TX	Primary	Purchase				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term	No Defined Cure			No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
TX	Primary	Refinance - Rate/Term				No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
NC	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
NC	Primary	Refinance - Cash-out - Debt Consolidation				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
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			No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Refinance - Cash-out - Other				No
LA	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
LA	Primary	Purchase				No
NY	Primary	Refinance - Cash-out - Other				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
AZ	UTD	UTD - UTD				No
AZ	UTD	UTD - UTD				No
AZ	UTD	UTD - UTD				No
AZ	UTD	UTD - UTD				No
AZ	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
AZ	UTD	UTD - UTD				No
AZ	UTD	UTD - UTD				No
AZ	UTD	UTD - UTD				No
AZ	UTD	UTD - UTD				No
AZ	UTD	UTD - UTD				No
MO	Primary	Purchase				No
MO	Primary	Purchase				No
MO	Primary	Purchase	No Defined Cure			No
MO	Primary	Purchase	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Investment	Purchase				No
FL	Investment	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
CA	Primary	Refinance - Cash-out - Other				No
NC	Primary	Purchase				No
NC	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
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			No
NY	Primary	Refinance - Cash-out - Other				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
VA	Primary	Purchase				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD	No Defined Cure			No
CA	Primary	Refinance - UTD	No Defined Cure			No
CA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
CA	Primary	Refinance - UTD				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term				No
FL	Primary	Refinance - Rate/Term	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase	No Defined Cure			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
GA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
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			No
GA	Primary	Refinance - Cash-out - Other				No
GA	Primary	Refinance - Cash-out - Other				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase				No
AZ	Primary	Purchase	No Defined Cure			No
NJ	Primary	Purchase	No Defined Cure			No
NJ	Primary	Purchase	No Defined Cure			No
NJ	Primary	Purchase				No
TX	Primary	Purchase				No
TX	Primary	Purchase				No
MO	Primary	Refinance - Rate/Term	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CA	Primary	Refinance - Rate/Term				No
CT	Primary	Purchase				No
CO	Primary	Refinance - Rate/Term				No
CO	Primary	Refinance - Rate/Term				No
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			No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
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			No
FL	Second Home	Purchase				No
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			No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
OH	Primary	Purchase				No
OH	Primary	Purchase				No
CA	Primary	Purchase	No Defined Cure			No
CA	Primary	Purchase	No Defined Cure			No
NH	Primary	Purchase				No
NH	Primary	Purchase				No
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			No
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			No
IL	Primary	Purchase				No
IL	Primary	Purchase	No Defined Cure			No
IL	Primary	Purchase	No Defined Cure			No
IL	Primary	Purchase				No
IL	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
CA	Primary	Purchase				No
WA	Primary	Refinance - Cash-out - Other				No
WA	Primary	Refinance - Cash-out - Other	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
WA	Primary	Refinance - Cash-out - Other				No
PA	Primary	Refinance - Cash-out - Other				No
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			No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
CO	Primary	Purchase				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
WA	Primary	Refinance - UTD				No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
SC	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
NJ	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other				No
FL	Investment	Refinance - Cash-out - Other				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
FL	Primary	Purchase				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission			No
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			No
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			No
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			No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
CA	Primary	Refinance - Cash-out - Debt Consolidation				No
WA	Primary	Refinance - Rate/Term				No
WA	Primary	Refinance - Rate/Term				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MN	Primary	Refinance - Cash-out - Debt Consolidation				No
MD	Primary	Refinance - Rate/Term				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
NJ	Primary	Purchase				No
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			No
NJ	Primary	Purchase				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
FL	Primary	Refinance - Cash-out - Other				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
CA	UTD	UTD - UTD				No
CA	UTD	UTD - UTD				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
ME	Primary	Refinance - Rate/Term				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
OR	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD	TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form			No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - UTD				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation	No Defined Cure			No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
FL	Primary	Refinance - Cash-out - Debt Consolidation				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
NY	Primary	Purchase				No
MA	Primary	Refinance - Cash-out - Other				No
MA	Primary	Refinance - Cash-out - Other	No Defined Cure			No
MA	Primary	Refinance - Cash-out - Other				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
SC	Primary	Purchase				No
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			No
GA	Primary	Purchase				No
GA	Primary	Purchase				No
GA	Primary	Purchase	No Defined Cure			No
GA	Primary	Purchase	No Defined Cure			No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Refinance - Cash-out - Other				No
CA	Primary	Purchase				No
CA	Primary	Purchase				No
GA	Primary	Refinance - Rate/Term				No
GA	Primary	Refinance - Rate/Term				No
MD	Primary	Refinance - Rate/Term	Provide the following: Letter of Explanation, Proof of Delivery, and Refund check	Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MD	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
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	Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MD	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MD	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MD	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No
MD	Primary	Refinance - Rate/Term		Temporary SHQM (GSE/Agency Eligible)	Temporary SHQM (GSE/Agency Eligible)	No