EX-99.2 3 ex99-2.htm AMC EXCEPTION GRADES (AOMT 2018-2)
 

Angel Oak Mortgage Trust I, LLC 2018-2 ABS-15G

 

Exhibit 99.2

 

                                                           
Exception Grades                                                            
Run Date - 6/1/2018 10:45:22 PM                                                            
                                                Rating Agency Grades      
AMC Loan ID Customer Loan ID Seller Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory Exception Exception Detail Exception Information Compensating Factors Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Initial Loan Grade		 Overall
Final Loan Grade		 Credit
Initial Loan Grade		 Credit
Final Loan Grade		 Compliance
Initial Loan Grade		 Compliance
Final Loan Grade		 Property
Initial Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
201106424 [Redacted] [Redacted] 1785647 [Redacted] [Redacted] Credit Assets Asset Documentation Aged document: Asset Account date is more than 90 days prior to the note. Financial Institution:   Account Type: 401(k)/403(b) Account / Account Number:  Quarterly statement date 06/30/2016.   Reviewer Comment (2017-11-10): Removed asset from calculations.
 11/10/2017     1 A [Redacted] MD Investment Purchase   C A C A A A A A N/A N/A No
201106426 [Redacted] [Redacted] 1784726 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2016-12-05): 12/5/16 - Rec'd flood cert.
 12/05/2016     1 A [Redacted] GA Primary Purchase   C B C B C B A A Non QM Non QM No
201106426 [Redacted] [Redacted] 1784800 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.37745% exceeds Guideline total debt ratio of 45.00000%. DTI does exceed 45% but meets the exception policy based on compensating factor of  residual income of > $6000 and > 10 years s/e and primary job. Guideline variance approved by lender at time of origination

Borrower on this Full documentation loan has a disposable income of $6,500		 Reviewer Comment (2016-12-01): Credit Exception p2
     12/01/2016 2 B [Redacted] GA Primary Purchase   C B C B C B A A Non QM Non QM No
201106426 [Redacted] [Redacted] 1789076 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.     Reviewer Comment (2016-12-05): 12/5/16 - Rec'd evidence of ARM Disclosure.
 12/05/2016     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B C B A A Non QM Non QM No
201106426 [Redacted] [Redacted] 1799350 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   GRMA fee reflected in section B, should be in section E.           2 B [Redacted] GA Primary Purchase Good Faith Redisclosure C B C B C B A A Non QM Non QM Yes
201106426 [Redacted] [Redacted] 1799757 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower:  Third Party Verification For self- employed business. Borrower on this Full documentation loan has a disposable income of $6,500 Reviewer Comment (2017-11-13): Received Credit Risk Summary & Exception Approval. Missing Verbal VOE within 10 days of closing. Compensating Factors: 1) Payment Shock. 2) Residual Income. 3) Stable Employment History.


Reviewer Comment (2017-06-20): Received internet search printout for [Redacted]. Document is undated and does not verify Borrower is 50% owner.


Seller Comment (2017-06-20): borrower does not own [Redacted]- uploaded 1003


Reviewer Comment (2017-01-06): Received documentation not showing borrower as part owner. Unable to clear.


Reviewer Comment (2016-12-28): Received GA Corporations Division Business Search, still does not tell me who the owner of this company is.


Reviewer Comment (2016-12-23): Received google business search not verification of self-employment
     11/13/2017 2 B [Redacted] GA Primary Purchase   C B C B C B A A Non QM Non QM No
201106426 [Redacted] [Redacted] 1799841 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.11260% or Final Disclosure APR of 7.16700% is in excess of allowable threshold of APOR 3.20% + 2.5%, or 5.70000%.  Compliant Higher Priced Mortgage Loan. Verified fees were input correctly.   Reviewer Comment (2016-12-20): [Redacted] accepts
     12/20/2016 1 A [Redacted] GA Primary Purchase   C B C B C B A A Non QM Non QM No
201106426 [Redacted] [Redacted] 1799842 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final [Redacted]) Seller's CD reflects $38,170.  Buyer's CD reflects $38,546.26.           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
202065395 [Redacted] [Redacted] 3715236 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003       Reviewer Comment (2017-07-17): Received
 07/17/2017     1 A [Redacted] FL Investment Purchase   C B C B B B C A N/A N/A No
202065395 [Redacted] [Redacted] 3717809 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017     1 A [Redacted] FL Investment Purchase   C B C B B B C A N/A N/A No
202065395 [Redacted] [Redacted] 3748847 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Issue:  Insufficient tradelines per credit guidelines   Credit Risk Summary & Exception Approval in file, page 2. Tradeline requirements not met. Compensating Factors: 1) Reserves. 2) Stable Employment History 14.5 months > 12 months required Reviewer Comment (2017-07-14): Compensating Factors: 1) Reserves. 2) Stable Employment History
     07/14/2017 2 B [Redacted] FL Investment Purchase   C B C B B B C A N/A N/A No
202065395 [Redacted] [Redacted] 3748964 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided    Missing verification primary residence, Missing annual taxes, insurance and HOA for primary residence,  14.5 months > 12 months required Reviewer Comment (2017-07-21): Received Credit Risk Summary & Exception Approval. VOM-Documentation missing. Compensating Factors: 1) Reserves. 2) Stable Employment History.
     07/21/2017 2 B [Redacted] FL Investment Purchase   C B C B B B C A N/A N/A No
202065395 [Redacted] [Redacted] 3761468 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. (Final [Redacted]) Acknowledgement that Loan Assumptions Are Not Permitted document not found in loan file.   Reviewer Comment (2017-07-18): Rec'd LOE, corrected CD and evidence of emailing.
   07/18/2017   2 B [Redacted] FL Investment Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A N/A N/A Yes
202077353 [Redacted] [Redacted] 3785116 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Upon Securitization a Field Review will be required.  This exception remains.   Reviewer Comment (2018-05-02): Received CDA


Seller Comment (2017-08-08): Per Section 2.3 of the Investor Cash Flow Guidelines: The appraisal review process requires a secondary appraisal product (CDA) to support the appraisal value for the transaction. Acceptable review products include enhanced desk review, field review and second full appraisals. A desk review is sufficient appraisal product to support our value.


Reviewer Comment (2017-07-28): Received additional desk review supporting value of appraisal; however, need field review for further confirmation.
 05/02/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A A A     C A N/A   No
202077360 [Redacted] [Redacted] 3751970 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Borrower did not sign the Note individually, only signed for LLC. See Guideline 18 Title/Ownership Interest. 22 mos reserves Reviewer Comment (2017-07-17): Received Credit Risk Summary & Exception approval 7/17/17


Reviewer Comment (2017-07-17): The Note/SI predates the New Guidelines, we use the guidelines prior to the Note.


Seller Comment (2017-07-17): Guidelines were updated on 7/11/17 - Please review Title/Ownership Interest and clear
     07/17/2017 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C C C B     C C N/A   No
202077360 [Redacted] [Redacted] 3752026 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Borrower did not sign Security Instrument individually, only as LLC, See Guideline 18 Title/Ownership Interest 22 mos reserves Reviewer Comment (2017-07-17): Received Credit Risk Summary & Exception approval 7/17/17


Reviewer Comment (2017-07-17): The Note/SI predates the New Guidelines, we use the guidelines prior to the Note.


Seller Comment (2017-07-17): Guidelines were updated on 7/11/17 - Please review Title/Ownership Interest and clear
     07/17/2017 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C C C B     C C N/A   No
202077360 [Redacted] [Redacted] 3752520 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C C C B     C C N/A   No
202077360 [Redacted] [Redacted] 3752538 [Redacted] [Redacted] Credit Small Balance Commercial General Guideline Issue: Square footage under 1,200 ft not allowed per guidelines. Valuation Type: Appraisal / Valuation Report Date: [Redacted]   22 mos reserves Reviewer Comment (2017-07-17): Received Credit Risk Summary & Exception approval 7/17/17
     07/17/2017 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C C C B     C C N/A   No
202077360 [Redacted] [Redacted] 4470290 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Value variance greater than 10% between origination appraisal and subsequent product   CDA came in at $85,000   Reviewer Comment (2017-10-23): Field review value is $[Redacted] which exceeds the 10% tolerance
       3 C [Redacted] FL Investment Refinance - Cash-out - Other   C C C B     C C N/A   No
202255186 [Redacted] [Redacted] 4009571 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017     1 A [Redacted] IL Primary Purchase   C A A A C A C A Non QM Non QM No
202255186 [Redacted] [Redacted] 4009613 [Redacted] [Redacted] Compliance Compliance State Compliance Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.     Reviewer Comment (2017-08-17): Received
 08/17/2017     1 A [Redacted] IL Primary Purchase   C A A A C A C A Non QM Non QM No
202255186 [Redacted] [Redacted] 4016993 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign consent agreement was not provided.   Reviewer Comment (2017-08-15): rec'd e-consent
 08/15/2017     1 A [Redacted] IL Primary Purchase No Defined Cure C A A A C A C A Non QM Non QM No
202255186 [Redacted] [Redacted] 4016994 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final [Redacted]) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $36,607.96 while closing CD seller's fees total $36,342.96.   Reviewer Comment (2017-08-17): Received new Seller CD with $36,257.96 fees paid by Seller.


Buyer Comment (2017-08-16): please see seller cd- total costs $36,257.96


Reviewer Comment (2017-08-15): Rec'd a PC CD dated 8/15/17 reflecting seller paid fees of $36,257.96.  The seller's CD reflects $36,607.96.
 08/17/2017     1 A [Redacted] IL Primary Purchase   C A A A C A C A Non QM Non QM Yes
202255186 [Redacted] [Redacted] 4054732 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final [Redacted])     Reviewer Comment (2017-08-17): Received PCCD and revised Seller CD
 08/17/2017     1 A [Redacted] IL Primary Purchase   C A A A C A C A Non QM Non QM Yes
202263323 [Redacted] [Redacted] 4081714 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2017-09-06): Rec'd signed disclosure.
 09/06/2017     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B B A C B C A Non QM Non QM Yes
202263323 [Redacted] [Redacted] 4081750 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2017-10-04): Received CDA within 10% tolerance
 10/04/2017     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B B A C B C A Non QM Non QM No
202263323 [Redacted] [Redacted] 4103383 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on  [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final [Redacted]) Disclosure reflects $2,156.00 homeowner's insurance premium.  Should be $2,196.00 @ $183.00 per month   Reviewer Comment (2017-09-06): Rec’d LOE, corrected CD and evidence of emailing.
   09/06/2017   2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B A C B C A Non QM Non QM Yes
202263323 [Redacted] [Redacted] 4103420 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,645.00 exceeds tolerance of $3,300.00.  Insufficient or no cure was provided to the borrower. (7200) Fee disclosed as $3,300.00 on Loan Estimate dated 7/11/2017, but disclosed as $3,645.00 on Final Closing Disclosure.   Reviewer Comment (2017-09-05): Rec'd valid change of circumstance.
 09/05/2017     1 A [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B A C B C A Non QM Non QM Yes
202263323 [Redacted] [Redacted] 4103426 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on  [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final [Redacted]) The $69.40 credit on the final CD is insufficient to cure the $345 violation.   Reviewer Comment (2017-09-05): Rec'd valid change of circumstance.
 09/05/2017     1 A [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B A C B C A Non QM Non QM Yes
202263323 [Redacted] [Redacted] 4183944 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Date:
Inspection Date:		 [Redacted]   Reviewer Comment (2018-06-01): Ckleared with Rerun
 06/01/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B B A C B C A Non QM Non QM No
202263323 [Redacted] [Redacted] 4196172 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.   Reviewer Comment (2017-09-06): Rec’d LOE, corrected CD and evidence of emailing.
   09/06/2017   2 B [Redacted] TX Primary Refinance - Cash-out - Other Good Faith Redisclosure C B B A C B C A Non QM Non QM Yes
202263323 [Redacted] [Redacted] 4196213 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Title fees in Section B should be in Section C.  Borrower was given the opportunity to shop and chose their own provider.   Reviewer Comment (2017-09-06): Rec’d LOE, corrected CD and evidence of emailing.
   09/06/2017   2 B [Redacted] TX Primary Refinance - Cash-out - Other Good Faith Redisclosure C B B A C B C A Non QM Non QM Yes
202263323 [Redacted] [Redacted] 4202216 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (No evidence that borrower received copies of all documents signed at closing) Texas Constitution Section 50(a)(6):  Texas Cash-out Loan.   No evidence that borrower(s) received copies of all documents signed at time of closing.     Reviewer Comment (2017-09-01): Proof was in file.
 09/01/2017     1 A [Redacted] TX Primary Refinance - Cash-out - Other Deliver the required documents to the borrower. C B B A C B C A Non QM Non QM Yes
202263323 [Redacted] [Redacted] 4244196 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on [Redacted] disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. [Redacted] ADDED UPON RECEIPT OF PC CD DATED [Redacted].  The Calculating Cash to Close section reflects $44,848.16 whereas the Summaries section reflects $45,573.88.           2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B A C B C A Non QM Non QM Yes
202338198 [Redacted] [Redacted] 4277092 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-02): Received CDA
 05/02/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
202338198 [Redacted] [Redacted] 4300655 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing corrected signed final 1003 to reflect corrected employment and income sections for Borrower and  Co-borrower.  1003 in file reflects Borrower's employment and income information for Co-borrower and vice versa.   Reviewer Comment (2018-01-08): 1003  discrepancy is a doc integrity issue and has no bearing on risk level of loan.  Downgrading to EV2-B.


Reviewer Comment (2017-10-05): Cannot waive this unsigned/corrected document


Reviewer Comment (2017-10-03): Received Unsigned Corrected Applications
       2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
202338198 [Redacted] [Redacted] 4300771 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Date:
Inspection Date:		     Reviewer Comment (2017-10-02): Received ClearCapital Post Disaster Inspection dated 09/30/2017
 10/02/2017     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
202338198 [Redacted] [Redacted] 4300778 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] VVOE - Employment Only, W-2 (2015)   Borrower on this Full documentation loan has a disposable income of $5498 Reviewer Comment (2017-10-13): Received Credit Risk Summary & Exception approval


Reviewer Comment (2017-10-13): received comp factors


Reviewer Comment (2017-10-03): No Compensating Factors provided
     10/13/2017 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
202338198 [Redacted] [Redacted] 4328988 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted]+K52 YTD Pay Stub (2017)     Reviewer Comment (2017-09-27): Not needed per guidelines.


Buyer Comment (2017-09-27): borrower is 100% owner of business.
 09/27/2017     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
202338198 [Redacted] [Redacted] 4329001 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2017-09-27): Received
 09/27/2017     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
202340362 [Redacted] [Redacted] 4311615 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-02): Received CDA
 05/02/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A B A A A C A N/A N/A No
202340362 [Redacted] [Redacted] 4352607 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Date:
Inspection Date:		 [Redacted]   Reviewer Comment (2018-05-02): Appraisal post FEMA
 05/02/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A B A A A C A N/A N/A No
202406813 [Redacted] [Redacted] 4495787 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 490 is less than Guideline representative FICO score of 500.   26.6% DTI on this Full documentation loan < 45% guideline max - 18.4% below program guideline maximum

[Redacted]% LTV < 70% guideline max

55.4 months reserves > 3 months guideline minimum - borrowers have verified reserves of $55,162.87.

Overall debt decrease by $248.21 per month.		 Reviewer Comment (2017-10-19): Lender exception approval provided.
     10/19/2017 2 B [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202406813 [Redacted] [Redacted] 4495821 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202406813 [Redacted] [Redacted] 4495825 [Redacted] [Redacted] 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. Initial escrow statement reported $261.18 with a cushion amount of $145.50 for initial deposit versus $115.68 reported in the final CD.           2 B [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202406813 [Redacted] [Redacted] 4495827 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains a Demand Feature. (Final/[Redacted]) The final CD did not have an option selected for the Demand Feature section.   Reviewer Comment (2017-11-16): Rec'd LOE and corrected CD.


Reviewer Comment (2017-11-09): Rec'd corrected CD, missing LOE to the borrower.
   11/16/2017   2 B [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202406813 [Redacted] [Redacted] 4495828 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final/[Redacted]) The final CD did not have an option selected for the Negative Amortization section.  The note indicates the loan is not a Negative Amortization loan.   Reviewer Comment (2017-11-16): Rec'd LOE and corrected CD.


Reviewer Comment (2017-11-09): Rec'd corrected CD, missing LOE to the borrower.
   11/16/2017   2 B [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202406813 [Redacted] [Redacted] 4495829 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted]7 incorrectly disclosed whether the loan allows for Partial Payments. (Final/[Redacted]) The final CD did not have an option selected for the Partial Payments section.   Reviewer Comment (2017-11-16): Rec'd LOE and corrected CD.


Reviewer Comment (2017-11-09): Rec'd corrected CD, missing LOE to the borrower.
   11/16/2017   2 B [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202406813 [Redacted] [Redacted] 4599339 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Issue:  Refinance seasoning requirements not met   Borrower purchased property [Redacted] and does not meet the 12 month seasoning requirement for use of appraised value for LTV; Lender exception approval provided with proof that borrower has occupied property for 24 months and copies of checks for previous rental payment history was provided. 26.6% DTI on this Full documentation loan < 45% guideline max - 18.4% below program guideline maximum

[Redacted]% LTV < 70% guideline max

55.4 months reserves > 3 months guideline minimum - borrowers have verified reserves of $55,162.87.

Overall debt decrease by $248.21 per month.		 Reviewer Comment (2017-10-19): Lender exception approval provided.
     10/19/2017 2 B [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202406813 [Redacted] [Redacted] 4599706 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date 10/31/2017, Note Date [Redacted] HOI policy renewal was not found in the file.   Reviewer Comment (2017-11-27): Received
 11/27/2017     1 A [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202406818 [Redacted] [Redacted] 4500271 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] VA Primary Purchase   C B A A B B C A Non QM Non QM No
202406818 [Redacted] [Redacted] 4500380 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2017-11-01): Received
 11/01/2017     1 A [Redacted] VA Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
202406818 [Redacted] [Redacted] 4612383 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $23,171.24 at closing while closing CD seller's fees total $23,646.24 ($22,168.75 at closing + $1,477.49 before closing).   Reviewer Comment (2017-11-01): Rec'd LOE, corrected CD and evidence of emailing.
   11/01/2017   2 B [Redacted] VA Primary Purchase   C B A A B B C A Non QM Non QM Yes
202480295 [Redacted] [Redacted] 4612009 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Credit Report not provided       Reviewer Comment (2017-11-22): Received
 11/22/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4612309 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note - Senior Lien not provided       Reviewer Comment (2017-11-22): REceived
 11/22/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4615341 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: AUS not provided   Agency 2nd 20 Year   Reviewer Comment (2017-11-22): Received
 11/22/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4616264 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on (Final/[Redacted]) incorrectly disclosed whether the loan will have an escrow account. (Final/[Redacted])     Reviewer Comment (2018-01-01): Rec'd LOE, corrected CD and evidence of emailing.
   01/01/2018   2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A C B A A Higher Priced QM Non QM Yes
202480295 [Redacted] [Redacted] 4625391 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.93780% or Final Disclosure APR of 7.94400% is in excess of allowable threshold of APOR 3.15% + 3.5%, or 6.65000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-29): Re-ran compliance after receiving credit report
 11/29/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4625392 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant – Ability to Repay requirements not satisfied.     Reviewer Comment (2017-11-29): Re-ran compliance after receiving credit report
 11/29/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4625393 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records.     Reviewer Comment (2017-11-29): Re-ran compliance after receiving credit report
 11/29/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4625545 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date (Final/[Redacted]),  Most Recent Tax Return End Date 12/31/2015, Tax Return Due Date 04/15/2017. ([Redacted]Schedule C) 2016 1040 Application for Automatic Extension of Time  and $26,684.00 estimated tax payment check in file.   Reviewer Comment (2018-03-12): received updated tape with designation


Reviewer Comment (2017-10-31): Missing P&L and Balance Sheet as required for Appendix Q
 03/12/2018     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4625546 [Redacted] [Redacted] Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). ([Redacted]Schedule C) Missing P&L and Balance Sheet as required for Appendix Q   Reviewer Comment (2018-05-07): Updated with restated designation


Reviewer Comment (2018-05-07): To test with updated designation


Reviewer Comment (2018-04-10): .


Reviewer Comment (2018-02-20): Rec'd exception for missing P & L and balance sheet.


Reviewer Comment (2018-02-08): No income or any income documentation provided for 2016 or 2017 - this does not meet ATR
 05/07/2018     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4625548 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Not Provided Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 26.00053% DTI,[Redacted]+K74% LTV/CLTV,  Credit Score, Occupancy: Primary, Purpose: Purchase,     Reviewer Comment (2017-11-29): Re-ran compliance after receiving credit report
 11/29/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4625549 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.     Reviewer Comment (2017-11-29): Re-ran compliance after receiving credit report
 11/29/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4625550 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted]  Most Recent Tax Return End Date 12/31/2015, Tax Return Due Date 04/15/2017. ([Redacted]Schedule C) 2016 1040 Application for Automatic Extension of Time  and $26,684.00 estimated tax payment check in file.   Reviewer Comment (2017-11-29): Extension in file
 11/29/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4625551 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Fail.     Reviewer Comment (2018-03-12): received updated tape with designation


Reviewer Comment (2018-01-01): Still missing 2016 P&L and Balance sheet.
 03/12/2018     1 A [Redacted] TX Primary Purchase Lender to provide updated ATR/QM status D B D A C B A A Higher Priced QM Non QM Yes
202480295 [Redacted] [Redacted] 4625596 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided       Reviewer Comment (2017-11-22): Not required per AUS
 11/22/2017     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4918742 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: Qualifying asset balance discrepancy. Calculated qualifying asset balance of $[Redacted] is less than AUS qualifying asset balance of $[Redacted]. Per AUS   Reviewer Comment (2018-01-11): Received sale of home funds confirmation
 01/11/2018     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202480295 [Redacted] [Redacted] 4964819 [Redacted] [Redacted] Compliance Compliance Federal Compliance Appendix Q Liabilities - Revolving Qualified Mortgage (Dodd-Frank 2014): Revolving Liabilities that have an effect on the consumer’s ability to repay have been excluded from DTI calculation.     Reviewer Comment (2018-05-07): Updated with restated designation


Reviewer Comment (2018-04-10): not an override


Reviewer Comment (2017-11-29): AMEX paid monthly
 05/07/2018     1 A [Redacted] TX Primary Purchase   D B D A C B A A Higher Priced QM Non QM No
202500673 [Redacted] [Redacted] 4688104 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
202500673 [Redacted] [Redacted] 4720788 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $377,500.00 dwelling coverage < $[Redacted] estimated cost new and $[Redacted] original loan amount. Evidence of Insurance indicates 100% replacement cost up to $377,500.00 dwelling coverage.  Lender Documented Insured Value or evidence of 100% Guaranteed Replacement Cost coverage is not documented in file.   Reviewer Comment (2017-11-30): Received Estimated Replacement Valutation.
 11/30/2017     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
202500673 [Redacted] [Redacted] 4721147 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.14 is less than Guideline PITIA months reserves of 12.00. 2.14 months < 12 months Non-Prime Foreign National program.  Lender's unsupported 11 months calculation < 12 months.   Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  DTI and Residual income Guideline variance approved by lender at time of origination. Reviewer Comment (2017-11-02): Credit Risk Summary & Exception approval  p7
     11/02/2017 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
202599365 [Redacted] [Redacted] 4821463 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
202599365 [Redacted] [Redacted] 4821583 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2017-11-23): Received
 11/23/2017     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
202599365 [Redacted] [Redacted] 4823359 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   [Redacted]   Reviewer Comment (2017-12-14): Received missing bank statement


Reviewer Comment (2017-12-12): Received Business Bank Statements, with only explanation that they changed business accounts, this is a personal bank statement loan.  Cannot accept


Buyer Comment (2017-12-08): Chase statements have been uploaded do not understand what Sun Trust account is for


Reviewer Comment (2017-11-30): Nothing received to clear this item.


Reviewer Comment (2017-11-23): Missing statements not provided.
 12/14/2017     1 A [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
202599365 [Redacted] [Redacted] 4823475 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue:  Subject loan is a non-arms length transaction  outside of credit guidelines   Borrower [Redacted]  and Co-borrower [Redacted] are purchasing subject property from Co-borrower's parents ([Redacted].  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit history and Stable employment history.  **Comp factor for residual income not used due to missing income docs. Mortgage payment history reporting on CBR is 0x30 for 30 months.

Borrower has job stability for 8 years as an [Redacted].		 Reviewer Comment (2017-11-14): Lender exception approval provided pg. 33.
     11/14/2017 2 B [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
202599365 [Redacted] [Redacted] 4823979 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 52.39425% exceeds Guideline total debt ratio of 45.00000%. 54.84% > 45% [Redacted] Statement program.  Lender's 44.48% DTI based on a $7,027.00 month income calculation that includes deposits from 10/2016 and 11/2016 bank statements not provided in file. Mortgage payment history reporting on CBR is 0x30 for 30 months.

Borrower has job stability for 8 years as an [Redacted].		 Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception approval for DTI > 45%


Reviewer Comment (2017-11-23): Reviewed deposits into account used for Bank Statement income, DTI now 47.19316%
     11/27/2017 2 B [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
202599365 [Redacted] [Redacted] 4824047 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.91870% or Final Disclosure APR of 6.95600% is in excess of allowable threshold of APOR 3.73% + 1.5%, or 5.23000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception approval for DTI > 45%
 11/27/2017     1 A [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
202599365 [Redacted] [Redacted] 4824048 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant – Ability to Repay requirements not satisfied. DTI > maximum.   Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception approval for DTI > 45%
 11/27/2017     1 A [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
202599365 [Redacted] [Redacted] 4824049 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum.   Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception approval for DTI > 45%
 11/27/2017     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
202599365 [Redacted] [Redacted] 4824050 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum.   Reviewer Comment (2017-11-27): Received Credit Risk Summary & Exception approval for DTI > 45%
 11/27/2017     1 A [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
202599365 [Redacted] [Redacted] 4827856 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: Representative FICO score discrepancy. Representative FICO score of 729 is less than AUS representative FICO score of . 640 (lowest middle score of all Borrowers) < 720 minimum for [Redacted]% LTV [Redacted] Statement program.  Lender's approval based on 729 higher middle score of all Borrowers.  Lender's Credit Risk Summary & Exception Approval in file (pg.33).   Compensating factors: Credit history and Stable employment history.
**Comp factor for residual income not used due to missing income docs.		 Mortgage payment history reporting on CBR is 0x30 for 30 months.

Borrower has job stability for 8 years as an [Redacted].		 Reviewer Comment (2017-11-14): Lender exception approval provided pg. 33.
     11/14/2017 2 B [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
202599365 [Redacted] [Redacted] 4827922 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Residual income discrepancy. Calculated disposable income of $2,840.14 is less than Guideline required disposable income of . Due to missing bank statements residual income verified is less than $3,000.00 guideline minimum.   Reviewer Comment (2017-11-23): Reviewed deposits into account used for Bank Statement income, Residual income now over $3,000.
 11/23/2017     1 A [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
202643248 [Redacted] [Redacted] 4878822 [Redacted] [Redacted] 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.             2 B [Redacted] OH Primary Refinance - Cash-out - Home Improvement   C B A A C B A A Non QM Non QM No
202643248 [Redacted] [Redacted] 4878824 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2017-12-29): Received
 12/29/2017     1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement No Defined Cure C B A A C B A A Non QM Non QM No
202643248 [Redacted] [Redacted] 4878826 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7552)         11/19/2017   1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure C B A A C B A A Non QM Non QM Yes
202643248 [Redacted] [Redacted] 4884046 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted]) The $350 credit on the final CD is insufficient to cure the $300.50 violation.  The $0.50 transfer tax fee was not previously disclosed to the borrower.   Reviewer Comment (2017-12-29): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
   12/29/2017   2 B [Redacted] OH Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
202643248 [Redacted] [Redacted] 4884047 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $350.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7507)     Reviewer Comment (2017-11-21): $350 cure on final CD.
   11/21/2017   2 B [Redacted] OH Primary Refinance - Cash-out - Home Improvement Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Non QM Non QM Yes
202643248 [Redacted] [Redacted] 4884048 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $0.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (8304) The $0.50 transfer tax fee was not previously disclosed to the borrower.   Reviewer Comment (2017-12-29): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.
   12/29/2017   2 B [Redacted] OH Primary Refinance - Cash-out - Home Improvement Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Non QM Non QM Yes
202643248 [Redacted] [Redacted] 5747211 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   Per CDA   Reviewer Comment (2018-03-05): Received Field Review supporting Origination Value
 03/05/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement   C B A A C B A A Non QM Non QM No
202688584 [Redacted] [Redacted] 4970086 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.     Reviewer Comment (2017-12-15): Rec'd exception for HDTI
 12/15/2017     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Safe Harbor QM Yes
202688584 [Redacted] [Redacted] 4994154 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $15,485.00 while closing CD seller's fees total $15,385.00.           2 B [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Safe Harbor QM Yes
202688584 [Redacted] [Redacted] 4994374 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 39.48757% exceeds Guideline housing ratio of 35.00000%. HDTI > 35% max for Jumbo Prime guidelines; Lender Exception approval not provided. 799 score, no derog credit back to 2002, 118% payment shock (guidelines allow 250%), 11 mos reserves, 11 years same job. Reviewer Comment (2017-12-15): Rec'd exception:  HDTI exceeds program guidelines.
     12/15/2017 2 B [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Safe Harbor QM No
202688584 [Redacted] [Redacted] 5159150 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM.             2 B [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Safe Harbor QM Yes
202688591 [Redacted] [Redacted] 4972177 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.12 is less than Guideline PITIA months reserves of 12.00. Assets calculated by Lender is not supported in file. 1003 discloses a $[Redacted] for [Redacted] twice plus [Redacted] balance prior to $[Redacted] wire transfer withdrawal.  $[Redacted] in verified assets, including EMD's, is documented in file. [Redacted] $[Redacted] balance as of [Redacted] includes a $[Redacted] wire transfer on [Redacted] from [Redacted] made [Redacted]. 5.601% DTI on this Foreign National documentation loan < 50% guideline max

Borrower on this Foreign National documentation loan has a disposable income of $27,070.97		 Reviewer Comment (2017-12-12): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. 3) Stable Employment History.
     12/12/2017 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
202688591 [Redacted] [Redacted] 4972187 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
202688591 [Redacted] [Redacted] 5031204 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. Condo (Low Rise) Credit Risk Summary & Exception Approval in file, page 8. HOA delinquency > maximum (14% > 10% max allowed). Compensating Factors: 1) DTI. 2) Residual Income. 3) Stable Employment History. 5.601% DTI on this Foreign National documentation loan < 50% guideline max

Borrower on this Foreign National documentation loan has a disposable income of $27,070.97		 Reviewer Comment (2017-12-05): Compensating Factors: 1) DTI. 2) Residual Income. 3) Stable Employment History.
     12/05/2017 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
202688782 [Redacted] [Redacted] 5057606 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2017-12-14): Received
 12/14/2017     1 A [Redacted] OH Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
202688782 [Redacted] [Redacted] 5057857 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
202688782 [Redacted] [Redacted] 5059486 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/[Redacted]) TRID non-compliant. Seller paid fees on Seller’s Closing Disclosure are not consistent with those reflected on the Borrower’s Final Closing Disclosure.  Seller CD Fees total  $7,090.79 while closing CD seller’s fees total $6867.43.           2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM Yes
202688782 [Redacted] [Redacted] 5082052 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of $[Redacted] is less than Guideline minimum loan amount of $[Redacted].   Borrower on this Full documentation loan has a disposable income of $3,041.11 Reviewer Comment (2017-12-14): Received Credit Risk Summary & Exception Approval. Loan Amount Less than minimum allowed by program. Compensating Factors: 1) Payment Shock. 2) Residual Income.
     12/14/2017 2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
202728308 [Redacted] [Redacted] 5201586 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A A A A A C A N/A N/A No
202728311 [Redacted] [Redacted] 5203377 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2018-01-04): Received
 01/04/2018     1 A [Redacted] CA Primary Purchase No Defined Cure B B A A B B A A Non QM Non QM No
202728311 [Redacted] [Redacted] 5219459 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/[Redacted]) Seller CD $[Redacted] > Borrowers CD $[Redacted]   Reviewer Comment (2018-01-04): Rec'd LOE, corrected CD and evidence of emailing.
   01/04/2018   2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Non QM Non QM Yes
202728313 [Redacted] [Redacted] 5213384 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Completed Loan Application Not  Provided At Least 1 Business Day Prior to Closing) Texas Constitution Section 50(a)(6):  Texas Cash-out Loan.  Borrower was not provided copy of Application 1 day prior to closing.     Reviewer Comment (2018-04-04): Received evidence borrower was provided with application 1 day prior to closing. Exception has been cleared.


Buyer Comment (2018-03-08): Please review page 560 of the initial package uploaded for the attached document signed by the borrower stating they received a copy of the loan application at least one day prior to closing. Thank you.


Buyer Comment (2018-01-29): the regulation states that the borrower must receive it if not previously provided- the borrower signed the initial loan application


Reviewer Comment (2018-01-12): Nothing provided to show that Borrower received 1003 at least 1 day prior to Closing.
 04/04/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other 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 or on terms on which the borrower and the lender or holder otherwise agree. C A C A C A C A Non QM Non QM Yes
202728313 [Redacted] [Redacted] 5213387 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-01-10): Received
 01/10/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A C A C A C A Non QM Non QM Yes
202728313 [Redacted] [Redacted] 5213465 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-01-10): Received
 01/10/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A Non QM Non QM No
202728313 [Redacted] [Redacted] 5213485 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C A C A C A C A Non QM Non QM No
202728328 [Redacted] [Redacted] 5219841 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] LA Investment Refinance - Cash-out - Other   C A C A     C A N/A   No
202728328 [Redacted] [Redacted] 5220413 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility There is no evidence of landlord insurance (hazard insurance plus liability) and thus casts doubt on the business purpose of the loan.   No evidence of landlord insurance on HOI binder.   Reviewer Comment (2018-01-04): n/a
 01/04/2018     1 A [Redacted] LA Investment Refinance - Cash-out - Other   C A C A     C A N/A   No
202728328 [Redacted] [Redacted] 5220417 [Redacted] [Redacted] Credit Credit Credit Documentation The file does not contain rent loss insurance and thus casts doubt on business purpose of loan.   No evidence of rent loss insurance on HOI binder.   Reviewer Comment (2018-01-04): n/a
 01/04/2018     1 A [Redacted] LA Investment Refinance - Cash-out - Other   C A C A     C A N/A   No
202728350 [Redacted] [Redacted] 5222435 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
202728350 [Redacted] [Redacted] 5226882 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Report Error: Housing history rating was not provided.   Missing VOR for primary residence 21.808% DTI on this Foreign National documentation loan < 50% guideline max

20 > 14 months Reserves. $59,537.30.

$21,429.65 Residual Income on a Foreign National loan.		 Reviewer Comment (2018-01-04): Received Credit Risk Summary & Exception Approval. Credit Documentation missing - Missing VOR for primary residence. Compensating Factors: 1) DTI. 2) Reserves. 3) Residual Income.
     01/04/2018 2 B [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
202790268 [Redacted] [Redacted] 5242282 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client to order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] FL Primary Purchase   C A A A A A C A Non QM Non QM No
202790271 [Redacted] [Redacted] 5248205 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
202790278 [Redacted] [Redacted] 5245687 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] WA Primary Purchase   C B C A B B C A Non QM Non QM No
202790278 [Redacted] [Redacted] 5245869 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.             2 B [Redacted] WA Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
202790278 [Redacted] [Redacted] 5249446 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $242.00 exceeds tolerance of $182.00 plus 10% or $200.20.  Sufficient or excess cure was provided to the borrower at Closing. (0)         01/02/2018   1 A [Redacted] WA Primary Purchase Final CD evidences Cure C B C A B B C A Non QM Non QM Yes
202790278 [Redacted] [Redacted] 5286053 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Sale of [Redacted] - missing proof of receipt of $[Redacted].   Reviewer Comment (2018-01-29): CD in file for sale of prior home 8 days prior to subject


Reviewer Comment (2018-01-23): Received Final CD, missing evidence of deposit/wire or receipt
 01/29/2018     1 A [Redacted] WA Primary Purchase   C B C A B B C A Non QM Non QM No
202790278 [Redacted] [Redacted] 5286062 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Cash available for Closing is insufficient to cover Cash From Borrower. Calculated Available for Closing of $[Redacted] is less than Cash From Borrower of  $[Redacted]. Sale of [Redacted] - missing proof of receipt of $[Redacted].   Reviewer Comment (2018-01-29): CD in file for sale of prior home 8 days prior to subject closing


Reviewer Comment (2018-01-23): Received final CD with Proceeds of $[Redacted] missing evidence of Receipt
 01/29/2018     1 A [Redacted] WA Primary Purchase   C B C A B B C A Non QM Non QM No
202790304 [Redacted] [Redacted] 5261720 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.             2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202790304 [Redacted] [Redacted] 5261725 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-27): Received
 02/27/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261729 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2018-02-27): Received
 02/27/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B C A Non QM Non QM No
202790304 [Redacted] [Redacted] 5261730 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/340416) HOI payment should be $137.02 a month ($1,644.25/12).   Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/08/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261731 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/340417) HOI payment should be $137.02 a month ($1,644.25/12).   Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/08/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261732 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/340418) HOI payment should be $137.02 a month ($1,644.25/12).   Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/08/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261733 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/340419) HOI payment should be $137.02 a month ($1,644.25/12).   Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/08/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261734 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/340416) HOI payment should be $137.02 a month ($1,644.25/12).   Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/08/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261735 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [Redacted] HOI payment should be $137.02 a month ($1,644.25/12).   Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-02-27): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/08/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261736 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final[Redacted]+K140)     Reviewer Comment (2018-02-27): Reran Compliance with higher Index
 02/27/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261737 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted])     Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.
   03/08/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261738 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/[Redacted])     Reviewer Comment (2018-03-09): Updated with receipt of disclosure tracking
 03/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B C A Non QM Non QM No
202790304 [Redacted] [Redacted] 5261739 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. (Interim/[Redacted])     Reviewer Comment (2018-03-09): Updated input with disclosure tracking receipt
 03/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B C A Non QM Non QM No
202790304 [Redacted] [Redacted] 5261740 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $204.00 exceeds tolerance of $164.00 plus 10% or $180.40.  Insufficient or no cure was provided to the borrower. (0) Recording Fee increase without valid Change of Circumstance document   Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.
   03/08/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5261762 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202790304 [Redacted] [Redacted] 5262654 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. (Final[Redacted]) The Note allows for assumption, however the Closing Disclosure indicates the loan is not assumable.           2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202790304 [Redacted] [Redacted] 5294799 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of $[Redacted] is less than Guideline minimum loan amount of $150,000.00. OO/2nd Homes with Lender Paid Compensation Min loan amount $150K 28.327% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $6,260.66		 Reviewer Comment (2018-02-27): Received Credit Risk Summary & Exception Approval. Loan Amount Less than minimum allowed by program. Compensating Factors: 1) DTI. 2) Residual Income.
     02/27/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202790304 [Redacted] [Redacted] 5294811 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted]1040 (2015), 1040 (2016) Missing tax returns for 2016 and 2015. 28.327% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $6,260.66		 Reviewer Comment (2018-02-27): Received Credit Risk Summary & Exception Approval. Income Documentation missing (Missing 2 years of Tax returns, Transcripts are in the file). Compensating Factors: 1) DTI. 2) Residual Income.
     02/27/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202791544 [Redacted] [Redacted] 5264396 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-31): Received CDA
 05/31/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement   C B C B C B C A Non QM Non QM No
202791544 [Redacted] [Redacted] 5264437 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/[Redacted]+K155)     Reviewer Comment (2018-02-01): Rec'd LOE, corrected CD and evidence of emailing.
   02/01/2018   2 B [Redacted] OH Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202791544 [Redacted] [Redacted] 5268823 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2018-02-01): Received
 02/01/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement No Defined Cure C B C B C B C A Non QM Non QM No
202791544 [Redacted] [Redacted] 5268923 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 69.86394% exceeds Guideline total debt ratio of 45.00000%. Missing income documentation   Reviewer Comment (2018-03-12): Updated input, DTI meets guidelines
 03/12/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement   C B C B C B C A Non QM Non QM No
202791544 [Redacted] [Redacted] 5268926 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.85560% or Final Disclosure APR of 8.92200% is in excess of allowable threshold of APOR 3.88% + 1.5%, or 5.38000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-03-12): Updated input
 03/12/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement   C B C B C B C A Non QM Non QM No
202791544 [Redacted] [Redacted] 5268927 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant – Ability to Repay requirements not satisfied.     Reviewer Comment (2018-03-12): Updated input
 03/12/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement   C B C B C B C A Non QM Non QM No
202791544 [Redacted] [Redacted] 5268929 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.     Reviewer Comment (2018-03-12): Updated input
 03/12/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
202791544 [Redacted] [Redacted] 5268930 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.     Reviewer Comment (2018-03-12): Updated input
 03/12/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Home Improvement   C B C B C B C A Non QM Non QM No
202791544 [Redacted] [Redacted] 5310679 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] 1120S (2015), 1120S (2016), K-1 (2015), K-1 (2016), W-2 (2015) Missing income documents for [Redacted] self-employment. Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-03-14): Received exception approval to use the tax returns, P&Ls and other docs for income based on payment shock, reserves, housing payment decrease
     03/14/2018 2 B [Redacted] OH Primary Refinance - Cash-out - Home Improvement   C B C B C B C A Non QM Non QM No
202791565 [Redacted] [Redacted] 5272858 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
202791565 [Redacted] [Redacted] 5273174 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2018-01-26): Received
 01/26/2018     1 A [Redacted] NC Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
202791565 [Redacted] [Redacted] 5273184 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. (Final/[Redacted]) [Redacted] field is blank.    $104.95 Property Taxes paid by Borrower at closing and $1,313.81 paid by Seller at closing disclosed           2 B [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
202791565 [Redacted] [Redacted] 5277984 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final[Redacted])             2 B [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
202791565 [Redacted] [Redacted] 5304572 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.98670% or Final Disclosure APR of 7.12000% is in excess of allowable threshold of APOR 3.90% + 2.5%, or 6.40000%.  Non-Compliant Rate Spread Home Loan.     Reviewer Comment (2018-02-02): Updated with attestation letter


Reviewer Comment (2018-01-29): Nothing received regarding this exception.
 02/02/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
202791565 [Redacted] [Redacted] 5304602 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium. $10,610.13 paid to Broker by Lender at closing.   Reviewer Comment (2018-02-02): Updated with attestation letter


Reviewer Comment (2018-01-29): While simple math allows us to determine that the YSP of $10,610.13 is 2.5% of the principal loan amount of $[Redacted], we would normally backstop that calculation with the mortgage broker disclosure that would clarify how the compensation is being paid from lender to broker. In the case here, the broker disclosure, while signed, is otherwise blank and provides no supporting evidence to help further clear the exception. Please confirm with lender if additional documentation exists to support the YSP was solely based on principal and not on any terms of the loan. (CHD-5667)


Reviewer Comment (2018-01-29): Sent to Compliance (CHD-5667)
 02/02/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
202791565 [Redacted] [Redacted] 5304603 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/[Redacted]) $16,317.81 paid by Seller at closing per Seller CD < $16,567.81 ($16,317.81 paid by Seller at closing + $450.00 paid by Seller before closing) per Consumer's CD           2 B [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
202791565 [Redacted] [Redacted] 5490110 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.98670% or Final Disclosure APR of 7.12000% is in excess of allowable threshold of APOR 3.90% + 2.5%, or 6.40000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
202791570 [Redacted] [Redacted] 5273648 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note - Senior Lien not provided   Missing copy of $[Redacted]+L171 Senior Lien Note held by [Redacted]   Reviewer Comment (2018-01-17): Received note
 01/17/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   D A D A A A C A Non QM Non QM No
202791570 [Redacted] [Redacted] 5273977 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   D A D A A A C A Non QM Non QM No
202801953 [Redacted] [Redacted] 5291331 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
202801953 [Redacted] [Redacted] 5310511 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium. CD reflects $5,843.75 YSP.   Reviewer Comment (2018-02-01): Received attestation from Lender indicating that LO Comp is based on OPB


Reviewer Comment (2018-01-29): While simple math allows us to determine that the YSP of $5,843.75 is 2.5% of the principal loan amount of $233,750, we would normally backstop that calculation with the mortgage broker disclosure that would clarify how the compensation is being paid from lender to broker. In the case here, the broker disclosure, while signed, is otherwise blank and provides no supporting evidence to help further clear the exception. Please confirm with lender if additional documentation exists to support the YSP was solely based on principal and not on any terms of the loan. (CHD-5666)


Reviewer Comment (2018-01-29): Sent for Compliance review (CHD-5666)
 02/01/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
202801953 [Redacted] [Redacted] 5310531 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.26440% or Final Disclosure APR of 8.29900% is in excess of allowable threshold of APOR 3.98% + 1.5%, or 5.48000%.  Non-Compliant Rate Spread Home Loan. Verified fees were input correctly.   Reviewer Comment (2018-02-01): Received attestation from Lender indicating that LO Comp is based on OPB
 02/01/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
202801953 [Redacted] [Redacted] 5310825 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final[Redacted]+K175) Seller's CD reflects $20,045, calculates to be $22,795. Variance of $2,750 is due to seller's commission reflected as $9,90 on borrower's CD and as $7,150 on seller's CD.   Reviewer Comment (2018-01-29): Rec'd LOE, corrected CD and evidence of emailing.
   01/29/2018   2 B [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM Yes
202801953 [Redacted] [Redacted] 5473345 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.26440% or Final Disclosure APR of 8.29900% is in excess of allowable threshold of APOR 3.98% + 1.5%, or 5.48000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
202802015 [Redacted] [Redacted] 5302318 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client to order appraisal review at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraisal
 03/01/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C A C A A A C A N/A N/A No
202802015 [Redacted] [Redacted] 5303779 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Missing Closing Disclosure for the borrower's primary residence, required to verify debt paid at closing and current housing expense.   Reviewer Comment (2018-02-26): Received, updated PITI for primary and updated debts paid off to rerun DTI.


Reviewer Comment (2018-02-05): Rec'd first payment letter.  Still missing copy of CD confirming debts paid.


Reviewer Comment (2018-01-29): Notes in file indicate borrowers did a cash-out refinance on their primary residence as well as this refinance of an investment property.  Missing the final CD from the refi of their primary residence to confirm PITI and debts paid at closing.
 02/26/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C A C A A A C A N/A N/A No
202802015 [Redacted] [Redacted] 5347560 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] VVOE - Employment Only For both Part Time Jobs, within 10 days of closing   Reviewer Comment (2018-02-27): Borrower no longer works here, removed from income - DTI within guidelines


Reviewer Comment (2018-02-26): still missing vvoe for [Redacted]


Reviewer Comment (2018-02-05): Rec'd two fax cover sheets.  They do not identify the employers nor the parties confirming the information.  Provide VVOEs for both borrowers dated within 10 days of closing.


Reviewer Comment (2018-01-29): Missing VVOEs from [Redacted]


Buyer Comment (2018-01-26): you dont get a voe for pension income
 02/27/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C A C A A A C A N/A N/A No
202802015 [Redacted] [Redacted] 5347690 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] VVOE - Employment Only Part time job, within 10 days of closing   Reviewer Comment (2018-02-26): Received


Reviewer Comment (2018-01-29): Missing VVOE from [Redacted]
 02/26/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C A C A A A C A N/A N/A No
202802015 [Redacted] [Redacted] 5710217 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 51.71011% exceeds Guideline total debt ratio of 50.00000%. CB Annuity income $2,050 per letter, not $2,500 --- DTI is 53.00407%   Reviewer Comment (2018-05-03): Updated DTI and used rental qualification income from tax returns


Buyer Comment (2018-03-01): all debts on the LAS were paid off on these CD's
 05/03/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C A C A A A C A N/A N/A No
202802026 [Redacted] [Redacted] 5310605 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202802026 [Redacted] [Redacted] 5312076 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.             2 B [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
202802026 [Redacted] [Redacted] 5327599 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing mandatory escrow for mandatory flood insurance.  Property in Flood Zone AE per Flood Zone.  Evidence of coverage and $502.00 annual premium documented in file.   Reviewer Comment (2018-03-08): On Post CD Issued 12/13/17
 03/08/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202802026 [Redacted] [Redacted] 5327911 [Redacted] [Redacted] Credit Credit Credit Eligibility Unacceptable credit - late payments 1X30 or greater within the last 12 months.   [Redacted] mortgage account reports 3 x 30 within 12 months of Note date  > 0 x 30 in the last twelve (12) months with no more than 1 x 30 in the last 24-months under Portfolio Select.  $2420.71 PITI payment excluded from DTI based on copies of bank statements (p 290-333) documenting payment paid by a non-borrower.  Per LOE, mortgage reported under Borrower's SS# as a joint obligation with Borrower's Mother and secured by Mother's home 43.73% < 45% DTI maximum

$7,970.65 Residual income on a Bank Statement loan		 Reviewer Comment (2018-02-26): Received Credit Risk Summary & Exception Approval. Housing history requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. 3) Stable Employment History.
     02/26/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202802026 [Redacted] [Redacted] 5328063 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   [Redacted] Borrower has job stability for 11 years as a [Redacted] Reviewer Comment (2018-03-09): Received Credit Risk Summary & Exception approval 3/9/18 for DTI > 48%.   Added borrower insurance and taxes into rental property for worse case scenario


Reviewer Comment (2018-02-12): [Redacted]


Reviewer Comment (2018-02-09): Received evidence that previous Primary Residence is not longer in borrower name, however, do not have evidence Mortgage attached is paid off. (possible QCD)

Received property printout showing borrower purchase property for $[Redacted], have not evidence it is free and clear, as Transfers of property are only provided on Printout
     03/09/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202802026 [Redacted] [Redacted] 5328486 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   472.96305% > 300% Portfolio Select Bank Statement program.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: DTI and Residual income Guideline variance approved by lender at time of origination Reviewer Comment (2018-01-17): Credit Risk Summary & Exception approval p2
     01/17/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202802026 [Redacted] [Redacted] 5328500 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.55 is less than Guideline PITIA months reserves of 12.00. 5.5 months PITI ($[Redacted]) <  12 months PITI ([Redacted]) reserves required due to [Redacted]% payment shock > 250% under Portfolio Select Bank Statement program.  Lender's 11 months calculated months reserves not supported by asset documentation in file.   Reviewer Comment (2018-02-26): Received additional business bank statement [Redacted]+N192) so now have over 6 months reserves.


Reviewer Comment (2018-02-26): Payment Shock exception waived. Reserves are still less than 6 months required for program.
 02/26/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202802026 [Redacted] [Redacted] 5328540 [Redacted] [Redacted] Credit Flood Insurance Insufficient Coverage The Flood Insurance Policy effective date is after the Note Date. Flood Insurance Policy Effective Date [Redacted], Note Date [Redacted] Flood Insurance Policy Effective Date [Redacted] > [Redacted] Note and Loan Disbursement  Date 43.73% < 45% DTI maximum

Borrower has job stability for 11 years as a [Redacted] of [Redacted]		 Reviewer Comment (2018-05-21): Policy was paid in full, and was active and sufficient
     05/21/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202802026 [Redacted] [Redacted] 5328567 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/[Redacted])     Reviewer Comment (2018-02-26): Reran Compliance with higher Index
 02/26/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202802026 [Redacted] [Redacted] 5328582 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final[Redacted]) Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-26): Received Attestation letter
 02/26/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202802026 [Redacted] [Redacted] 5328583 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Service Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Fee not disclosed on Loan Estimated date [Redacted] but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-26): Received Attestation letter
 02/26/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
202802026 [Redacted] [Redacted] 5328584 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Fee not disclosed on Loan Estimated date [Redacted] but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-02-26): Received Attestation letter
 02/26/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
202802026 [Redacted] [Redacted] 5328599 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted]             2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM Yes
202802026 [Redacted] [Redacted] 5830988 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.25809% exceeds Guideline total debt ratio of 45.00000%. Added taxes and insurance in for borrower rental property payment worse case scenario Borrower has job stability for 11 years as a [Redacted] of [Redacted] Reviewer Comment (2018-03-09): Received Credit Risk Summary & Exception approval 3/9/18
     03/09/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5316856 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5317431 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.18650% or Final Disclosure APR of 7.27900% is in excess of allowable threshold of APOR 3.88% + 1.5%, or 5.38000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-02-07): Reran Compliance
 02/07/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5317432 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay) Federal Higher-Priced Mortgage Loan (Dodd-Frank 2014): Non-compliant – Ability to Repay requirements not satisfied.     Reviewer Comment (2018-02-07): Reran Compliance
 02/07/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5317434 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.     Reviewer Comment (2018-05-03): Updated income and received exception approval for DTI
 05/03/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
202804800 [Redacted] [Redacted] 5317436 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. [Redacted]     Reviewer Comment (2018-02-27): reran compliance


Reviewer Comment (2018-02-21): Received VVOE dated 2/9/18 for [Redacted]		 02/27/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5317437 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - W-2 Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. [Redacted] VVOE all Substitute positions within 10 days of closing   Reviewer Comment (2018-02-27): reran compliance


Reviewer Comment (2018-02-21): Received VVOE dated 2/9/18 for [Redacted], missing other
 02/27/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5317439 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - Wages Ability to Repay (Dodd-Frank 2014): Unable to verify Wages/W-2 income using reasonably reliable third-party records. [Redacted]     Reviewer Comment (2018-02-27): reran compliance
 02/27/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5317441 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.     Reviewer Comment (2018-02-27): reran compliance
 02/27/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5317443 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2018-02-07): Received
 02/07/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5317452 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted]             2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202804800 [Redacted] [Redacted] 5320998 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.27332% exceeds Guideline total debt ratio of 45.00000%. DTI is 53.00407% Guideline variance approved by lender at time of origination payment shock 44.21555% < 250% maximum permitted. Reviewer Comment (2018-05-03): Exception approval for DTI based on payment shock and residual income


Buyer Comment (2018-03-01): all the LAS debts were paid off on these CDs


Reviewer Comment (2018-02-27): DTI over 50% (CB Annuity income $2,050 per letter, not $2,500)


Reviewer Comment (2018-01-18): Credit Risk Summary & Exception approval p2 u/s
     05/03/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5352751 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] VVOE - Employment Only
VVOE - Employment Only		 CoBorrower all Substitute jobs, within 10 days of Closing   Reviewer Comment (2018-02-27): received


Reviewer Comment (2018-02-21): Received VVOE dated [Redacted]		 02/27/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202804800 [Redacted] [Redacted] 5710074 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-05-03): Updated income and received exception approval for DTI
 05/03/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
202810216 [Redacted] [Redacted] 5341122 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   The prepayment addendum to the note reflects a prepayment penalty which is calculated based on the prepaid balance, while the guidelines require a prepayment penalty calculated based on the unpaid principal balance.   Reviewer Comment (2018-02-04): Prepay meets guidelines
 02/04/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   A A A A     A A     No
202810236 [Redacted] [Redacted] 5345973 [Redacted] [Redacted] 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. Disclosure was signed [Redacted] (note date)), but transaction consummation (mortgage notary) date was ([Redacted]).           2 B [Redacted] OH Primary Purchase   C B C B C B A A Non QM Non QM No
202810236 [Redacted] [Redacted] 5345975 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. (Final/[Redacted]) Disclosure reflects Closing Date of ([Redacted]), but transaction consummation (mortgage notary) date was ([Redacted]).           2 B [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
202810236 [Redacted] [Redacted] 5345983 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] CD data field is blank.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
   01/30/2018   2 B [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
202810236 [Redacted] [Redacted] 5347498 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.18 is less than Guideline PITIA months reserves of 6.00. Reserve and tradeline requirements are not met but meets the exception policy based on compensating factors of low front DTI, payment shock and residual income. Housing ratio of 22% is below the guideline limit of 40%

Payment shock of 25% is less than the guideline limit of 300%

Residual income of $10,228 is greater than the required $3,000.		 Reviewer Comment (2018-01-18): Credit Risk Summary & Exception approval p2 u/s
     01/18/2018 2 B [Redacted] OH Primary Purchase   C B C B C B A A Non QM Non QM No
202810236 [Redacted] [Redacted] 5348428 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2018-01-30): Not provided yet
       2 B [Redacted] OH Primary Purchase No Defined Cure C B C B C B A A Non QM Non QM No
202810236 [Redacted] [Redacted] 5348429 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/[Redacted]) Missing Broker's contact name.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
   01/30/2018   2 B [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
202810236 [Redacted] [Redacted] 5350039 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[Redacted]) Seller's CD reflects $18,560 commissions paid while borrower's CD reflects $18,540.   Reviewer Comment (2018-01-30): Rec'd LOE, corrected CD and evidence of emailing.
   01/30/2018   2 B [Redacted] OH Primary Purchase   C B C B C B A A Non QM Non QM Yes
202815361 [Redacted] [Redacted] 5374427 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2018-02-01): Received
 02/01/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
202815361 [Redacted] [Redacted] 5374430 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/[Redacted]) Contact Information section, Mortgage Broker contact (name) field is blank   Reviewer Comment (2018-02-05): Rec’d LOE, corrected CD and evidence of emailing.
   02/05/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202815361 [Redacted] [Redacted] 5374450 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202815361 [Redacted] [Redacted] 5379570 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/[Redacted]) $5,190.00 higher amount Real Estate Commission Broker fee paid by Seller at closing per Consumer's CD not disclosed on Seller's CD   Reviewer Comment (2018-02-05): Rec’d LOE, corrected CD and evidence of emailing.
   02/05/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202815361 [Redacted] [Redacted] 5408123 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Replacement cost per Appraisal is $[Redacted], coverage is short $58,992.00. Insurance agents Replacement cost calculator not found in file.   Reviewer Comment (2018-03-16): Received RCE with sufficient coverage


Reviewer Comment (2018-02-01): Received Email showing subject is 100% Replacement Cost, but not Guaranteed Replacement cost.
 03/16/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202837799 [Redacted] [Redacted] 5407268 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   C A C A A A C A N/A N/A No
202837799 [Redacted] [Redacted] 5423665 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note Addendum - Prepayment not provided       Reviewer Comment (2018-03-09): Received both.


Buyer Comment (2018-03-09): Please find attached the signed Prepayment Penalty Addendum and Rider.  Security Instrument will be re-recorded with the Rider.
 03/09/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   C A C A A A C A N/A N/A No
202837822 [Redacted] [Redacted] 5447274 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] FL Investment Purchase   C A C A A A C A Non QM N/A No
202837822 [Redacted] [Redacted] 5470536 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted]VVOE - Employment Only Within 10 days of closing   Reviewer Comment (2018-03-26): Rec'd VVOE dated 12/28/17.
 03/26/2018     1 A [Redacted] FL Investment Purchase   C A C A A A C A Non QM N/A No
202837833 [Redacted] [Redacted] 5438463 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 40.14685% exceeds Guideline housing ratio of 40.00000%. Incorrect / Incomplete property taxes withheld for prepaids and monthly escrow. City taxes of $109.16 were accounted for. County and School District taxes not included or impounded. All payment streams incorrect. Mtg history 0X30X48 Reviewer Comment (2018-02-15): Received Credit Risk Summary & Exception approval 2/15/18
     02/15/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
202837833 [Redacted] [Redacted] 5438464 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of $[Redacted] is less than Guideline minimum loan amount of $150,000.00. OO/2nd Homes with Lender Paid Compensation Min loan amount $150K Mtg history 0X30X48 Reviewer Comment (2018-02-08): Received Credit Risk Summary & Exception approval 2/8/18
     02/08/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
202837833 [Redacted] [Redacted] 5438465 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
202837833 [Redacted] [Redacted] 5438469 [Redacted] [Redacted] Credit Credit General Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted]based on the title evidence in file.     Reviewer Comment (2018-02-09): Title policy to be issued in correct amount per closing instructions.
 02/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
202837833 [Redacted] [Redacted] 5438645 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.     Reviewer Comment (2018-02-08): Received
 02/08/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
202837833 [Redacted] [Redacted] 5438646 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/354379) Incorrect / Incomplete property taxes withheld for prepaids and monthly escrow. City taxes of $109.16 were accounted for. County and School District taxes not included or impounded. All payment streams incorrect.   Reviewer Comment (2018-02-15): Received PC CD, LOE, proof of delivery, and RTC


Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   02/15/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202837833 [Redacted] [Redacted] 5438647 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/354380) Incorrect / Incomplete property taxes withheld for prepaids and monthly escrow. City taxes of $109.16 were accounted for. County and School District taxes not included or impounded. All payment streams incorrect.   Reviewer Comment (2018-02-15): Received PC CD, LOE, proof of delivery, and RTC


Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   02/15/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202837833 [Redacted] [Redacted] 5438648 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/354381) Incorrect / Incomplete property taxes withheld for prepaids and monthly escrow. City taxes of $109.16 were accounted for. County and School District taxes not included or impounded. All payment streams incorrect.   Reviewer Comment (2018-02-15): Received PC CD, LOE, proof of delivery, and RTC


Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   02/15/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202837833 [Redacted] [Redacted] 5438649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/354382) Incorrect / Incomplete property taxes withheld for prepaids and monthly escrow. City taxes of $109.16 were accounted for. County and School District taxes not included or impounded. All payment streams incorrect.   Reviewer Comment (2018-02-15): Received PC CD, LOE, proof of delivery, and RTC


Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   02/15/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202837833 [Redacted] [Redacted] 5438650 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/354379) Payment streams incorrect due to incorrect escrow withholdings.   Reviewer Comment (2018-02-15): Received PC CD, LOE, proof of delivery, and RTC


Reviewer Comment (2018-02-09): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   02/15/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
202837833 [Redacted] [Redacted] 5438652 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted]) The dollar amount by which the Total Closing Costs exceeded the legal limit was not disclosed.           2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202837833 [Redacted] [Redacted] 5438654 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Title Guaranty Fee.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower.[Redacted] Not disclosed on Loan Estimate.   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
202837833 [Redacted] [Redacted] 5442611 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-15): Received
 02/15/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B C B C B C A Non QM Non QM Yes
202837833 [Redacted] [Redacted] 5443802 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Completed Loan Application Not  Provided At Least 1 Business Day Prior to Closing) Texas Constitution Section 50(a)(6):  Texas Cash-out Loan.  Borrower was not provided copy of Application 1 day prior to closing.     Reviewer Comment (2018-04-21): Received


Buyer Comment (2018-04-10): Borrower acknowledgment # 2 that application received at least 1 day prior to closing. Please clear exception.
 04/21/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other 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 or on terms on which the borrower and the lender or holder otherwise agree. C B C B C B C A Non QM Non QM Yes
202837833 [Redacted] [Redacted] 5443806 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.     Reviewer Comment (2018-04-05): Received disclosure acknowledging borrower received prior to closing


Buyer Comment (2018-03-08): Please review the disclosure located on page 419 of the initial package uploaded. The attached document confirms from the borrower received a copy of the loan application and final itemized disclosure at least one business day prior to closing. Please clear both open exceptions. Thank you!


Reviewer Comment (2018-02-15): The 12/22 CD is not final (fees changed) therefore this does not meet this requirement
 04/05/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other 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 or on terms on which the borrower and the lender or holder otherwise agree. C B C B C B C A Non QM Non QM Yes
202891972 [Redacted] [Redacted] 5471922 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] CT Investment Purchase   C A C A     C A N/A   No
202891972 [Redacted] [Redacted] 5487484 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Note Error: Prepayment penalty period is blank.   Missing Prepayment Penalty Addendum to the Note.   Reviewer Comment (2018-04-13): NA loan was modified to have no prepay


Reviewer Comment (2018-03-19): Received prepay addendum and rider; however post-origination documents show prepay was removed.


Buyer Comment (2018-03-13): Borrower signed Prepayment Penalty Addendum and Rider have been uploaded.  Will have Security Instrument re-recorded.


Reviewer Comment (2018-02-26): Received PCCD dated 02/20/2018 with Prepayment Penalty information removed. Did not receive LOE and evidence of PCCD being sent to the Borrower. Also, need modified Note.
 04/13/2018     1 A [Redacted] CT Investment Purchase   C A C A     C A N/A   No
202891972 [Redacted] [Redacted] 5487649 [Redacted] [Redacted] Credit Loan Package Documentation Loan File The file contains inconsistent or conflicting information. The documentation and issue in question is/are as follows:   The loan file does not contain a Prepayment penalty Rider to the Mortgage.  The Mortgage does not indicate this document on page 1 under Riders, however the Note and Final CD reflect a prepayment penalty on the loan and this document would be required.   Reviewer Comment (2018-04-13): receive modified note and PC CD


Reviewer Comment (2018-02-26): Received PCCD dated [Redacted] with Prepayment Penalty information removed. Did not receive LOE and evidence of PCCD being sent to the Borrower. Also, need modified Note.
 04/13/2018     1 A [Redacted] CT Investment Purchase   C A C A     C A N/A   No
202917247 [Redacted] [Redacted] 5527215 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Condo Rider was not provided.       Reviewer Comment (2018-03-14): Received
 03/14/2018     1 A [Redacted] IL Investment Purchase   C A C A A A C A N/A N/A No
202917247 [Redacted] [Redacted] 5527231 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] IL Investment Purchase   C A C A A A C A N/A N/A No
202917268 [Redacted] [Redacted] 5518504 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5522186 [Redacted] [Redacted] Compliance Compliance Federal Compliance Disparity in Occupancy The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence.  (Compliance testing performed based on the Occupancy Type of Investment) Loan underwritten as non-owner occupied with all documents supporting this. Borrower resides at subject property; however, and no other properties listed on REO schedule.   Reviewer Comment (2018-02-28): Changed to primary residence
 02/28/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5554421 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification, VVOE - Employment Only Missing For [Redacted].   Reviewer Comment (2018-02-28): Received VVOE


Reviewer Comment (2018-02-27): Need Vvoe within 10 days of Note for [Redacted]


Reviewer Comment (2018-02-14): Rec'd another VVOE for [Redacted].  Missing [Redacted].
 02/28/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721069 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML 2014 Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.08810% or Final Disclosure APR of 6.20600% is in excess of allowable threshold of APOR 3.99% + 1.5%, or 5.49000%.  Compliant Higher Priced Mortgage Loan. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721070 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721071 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Prepayment Penalty) Truth in Lending Act (HOEPA): Subject loan contains a prepayment penalty. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721073 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed High Cost) Federal High-Cost Mortgage Loan (Prepayment Penalty) Truth in Lending Act (High-Cost Mortgage): Prepayment penalty amount exceeded.  Non-Compliant High Cost Loan. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721075 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721077 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721078 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721079 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.07607% is in excess of the allowable maximum of  5.00000% of the Federal Total Loan Amount. Points and Fees of $11,933.25 on a Federal Total Loan Amount of $235,088.18 vs. an allowable total of $11,754.40 (an overage of $178.85 or .07607%).  Non-Compliant High Cost Loan. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721080 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721081 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA - Impermissible Prepayment Penalty Truth in Lending Act (Dodd-Frank 2014): Covered transaction contains impermissible prepayment penalty. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721082 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Provision) California Higher-Priced Loan (Impermissible Prepayment Penalty) California Higher-Priced Loan: Mortgage loan contains impermissible prepayment penalty. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721083 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) California Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Non-Compliant California Higher-Priced Loan: APR on subject loan of 6.08810% or Final Disclosure APR of 6.20600% is in excess of allowable threshold of APOR 3.99% + 1.5%, or 5.49000%.  Non-Compliant Higher Priced Loan. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721084 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Alternate Table Usage TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term Good Faith Redisclosure C A C A C A C A N/A N/A Yes
202917268 [Redacted] [Redacted] 5721085 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term No Defined Cure C A C A C A C A N/A N/A No
202917268 [Redacted] [Redacted] 5721086 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepayment Penalty Amount TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] with a prepayment payment disclosed the maximum prepayment penalty amount that does not match the actual maximum amount for the loan. (Final/[Redacted]) Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A C A N/A N/A Yes
202917268 [Redacted] [Redacted] 5721088 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/[Redacted]) Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A C A N/A N/A Yes
202917268 [Redacted] [Redacted] 5721090 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A C A N/A N/A Yes
202917268 [Redacted] [Redacted] 5721092 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Tolerance Post Close Cure Provided Unable to determine whether a cure was provided due to missing information. Changed to primary residence   Reviewer Comment (2018-02-28): Updated input
 02/28/2018     1 A [Redacted] CA Investment Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A N/A N/A Yes
202917268 [Redacted] [Redacted] 5721093 [Redacted] [Redacted] Compliance Compliance Federal Compliance Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Changed to primary residence   Reviewer Comment (2018-03-07): Updated To investment based on proof of pirmary refi (FHA)
 03/07/2018     1 A [Redacted] CA Investment Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A C A N/A N/A Yes
202917272 [Redacted] [Redacted] 5522586 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.       Reviewer Comment (2018-03-26): Rec'd blanket policy.
 03/26/2018     1 A [Redacted] CO Investment Refinance - Cash-out - Other   C A C A A A C A N/A N/A No
202917272 [Redacted] [Redacted] 5522606 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-01): Received CDA within 10% tolerance of appraised value
 03/01/2018     1 A [Redacted] CO Investment Refinance - Cash-out - Other   C A C A A A C A N/A N/A No
202917272 [Redacted] [Redacted] 5523888 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Minimum Trade lines not met. 3 are required, only 1 current trade line is present.   Reviewer Comment (2018-02-16): 1 additional trade line for Auto loan closed 4/17 = 2 active tradelines reported > 24 months each   Meets Guideline
 02/16/2018     1 A [Redacted] CO Investment Refinance - Cash-out - Other   C A C A A A C A N/A N/A No
202957217 [Redacted] [Redacted] 5604970 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Earliest disclosure dated [Redacted] application date + 3)   Reviewer Comment (2018-02-22): Initial Loan Estimate provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase Good faith redisclosure C B C A C B C A Non QM Non QM Yes
202957217 [Redacted] [Redacted] 5604971 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.97380% or Final Disclosure APR of 6.97600% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Non-Compliant Higher Priced Mortgage Loan. Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.97380% or Final Disclosure APR of 6.97600% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Non-Compliant Higher Priced Mortgage Loan.   Reviewer Comment (2018-02-22): Initial Loan Estimate provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957217 [Redacted] [Redacted] 5604973 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Earliest disclosure dated [Redacted] application date + 3)           2 B [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957217 [Redacted] [Redacted] 5604974 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Appraisal Disclosure - HPML Timing HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Earliest disclosure dated [Redacted] > [Redacted] [Redacted] application date + 3)   Reviewer Comment (2018-02-22): Initial Loan Estimate provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase Good faith redisclosure C B C A C B C A Non QM Non QM Yes
202957217 [Redacted] [Redacted] 5604976 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-02-22): Esign consent verification provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
202957217 [Redacted] [Redacted] 5604979 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Earliest disclosure dated [Redacted] > [Redacted] ([Redacted] application date + 3)           2 B [Redacted] FL Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
202957217 [Redacted] [Redacted] 5604980 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/[Redacted]) Earliest disclosure dated [Redacted] application date + 3)   Reviewer Comment (2018-02-22): Initial Loan Estimate provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
202957217 [Redacted] [Redacted] 5608256 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957217 [Redacted] [Redacted] 5617265 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing [Redacted] mortgage statement verifying $1,971.00 payment includes escrow for both property taxes and insurance.   Reviewer Comment (2018-02-22): Mortgage statement provided on 02/17/2018 verifies that tax payment is escrowed.
 02/22/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957217 [Redacted] [Redacted] 5617824 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Earliest disclosure dated [Redacted] application date + 3)   Reviewer Comment (2018-02-22): Initial Loan Estimate provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase Good faith redisclosure C B C A C B C A Non QM Non QM Yes
202957217 [Redacted] [Redacted] 5617825 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Earliest disclosure dated [Redacted] application date + 3)   Reviewer Comment (2018-02-22): SSPL provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
202957217 [Redacted] [Redacted] 5669887 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing verification of HOI and/or HOA payment on departing residence in PR.  No documentation provided that these are n/a on this property.  Mortgage statement does not reflect escrows or disbursement for HOI.  Final 1003 reflects maintenance charge of $86.00/mo.  Lease agreement reflects property has an HOA.   Reviewer Comment (2018-03-12): Received documentation for departing residence


Reviewer Comment (2018-03-09): Received non translated documents, unable to determine what the invoices are for.


Buyer Comment (2018-03-06): Gary – AMC said a LOX from borrower would be sufficient if you don’t have docs in file to clear this one. Thanks
 03/12/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957222 [Redacted] [Redacted] 5607613 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
202957222 [Redacted] [Redacted] 5607846 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   Disaster inspection not found in file.   Reviewer Comment (2018-02-27): Rec'd Post Disaster Inspection dated 2/24/18.  No damage noted.
 02/27/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
202957222 [Redacted] [Redacted] 5608412 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted]) $13.00   Reviewer Comment (2018-03-09): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/09/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957222 [Redacted] [Redacted] 5630526 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/[Redacted]) Final CD seller paid fees $2,221.00 and seller CD seller paid fees $52,504.11.           2 B [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM Yes
202957222 [Redacted] [Redacted] 5630527 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $13.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. ([Redacted] Title - Service Charges. Fee Amount of $13.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.   Reviewer Comment (2018-03-09): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/09/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
202957222 [Redacted] [Redacted] 5645407 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Telephone Listing / Internet Search / Directory Assistance Missing verification of business existence within 10 days of Note.   Reviewer Comment (2018-03-09): Rec'd internet printout dated 3/7/18.
 03/09/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
202957222 [Redacted] [Redacted] 5645481 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. eConsent not in file   Reviewer Comment (2018-03-07): rec'd e-consent
 03/07/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
202957222 [Redacted] [Redacted] 5645483 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains a Demand Feature. (Final/[Redacted]) box not selected   Reviewer Comment (2018-03-07): Rec’d LOE, corrected CD and evidence of emailing.
   03/07/2018   2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957222 [Redacted] [Redacted] 5645484 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. (Final/[Redacted]) box not selected   Reviewer Comment (2018-03-07): Rec’d LOE, corrected CD and evidence of emailing.
   03/07/2018   2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957222 [Redacted] [Redacted] 5645485 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. (Final/[Redacted]) box not selected   Reviewer Comment (2018-03-07): Rec’d LOE, corrected CD and evidence of emailing.
   03/07/2018   2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957222 [Redacted] [Redacted] 5645533 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $49,614.85 is less than Cash From Borrower $58,144.26. missing statement for [Redacted] (and 100% access letter)   Reviewer Comment (2018-03-13): Printout for account in file.


Reviewer Comment (2018-03-07): Rec'd access letter.  Missing statement.
 03/13/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
202957222 [Redacted] [Redacted] 5645534 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. missing statement for [Redacted] (and 100% access letter)   Reviewer Comment (2018-03-13): Bank printout in file.
 03/13/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
202957226 [Redacted] [Redacted] 5623323 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B B B C B C A Non QM Non QM No
202957226 [Redacted] [Redacted] 5623335 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: [Redacted] Resident Alien card or passport was not not provided.           2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B B B C B C A Non QM Non QM No
202957226 [Redacted] [Redacted] 5623411 [Redacted] [Redacted] 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.             2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B B B C B C A Non QM Non QM No
202957226 [Redacted] [Redacted] 5623415 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-26): Received
 02/26/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B B B C B C A Non QM Non QM Yes
202957226 [Redacted] [Redacted] 5623416 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.     Reviewer Comment (2018-03-09): CD dated 1 day prior to closing is allowed


Reviewer Comment (2018-02-28): Rec'd signed Addendum to Final Itemized Disclosure.  Missing the actual Disclosure.
 03/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other 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 or on terms on which the borrower and the lender or holder otherwise agree. C B B B C B C A Non QM Non QM Yes
202957226 [Redacted] [Redacted] 5623419 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B B B C B C A Non QM Non QM No
202957226 [Redacted] [Redacted] 5623422 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final[Redacted]) Disclosure reflects $2,281.12 homeowner's insurance premium.  Should be $5,331.00 @ $444.25 per month           2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B B C B C A Non QM Non QM Yes
202957226 [Redacted] [Redacted] 5623423 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/[Redacted]) Disclosed TIP 145.847% > 141.675% Calculated TIP           2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B B C B C A Non QM Non QM Yes
202957226 [Redacted] [Redacted] 5623426 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.     Reviewer Comment (2018-03-09): Received disclosure and proof of receipt


Reviewer Comment (2018-03-09): Proof of date provided


Reviewer Comment (2018-02-26): Copy of ARM Disclosure and evidence date provided to Borrower not provided


Reviewer Comment (2018-02-26): Missing copy of ARM loan program disclosure provided to Borrower and date provided to Borrower
 03/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B B B C B C A Non QM Non QM No
202957226 [Redacted] [Redacted] 5652965 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Loan Not Closed At Office of Lender, Attorney, or Title Company) Texas Constitution Section 50(a)(6):  Unable to determine if loan was closed an an authorized location due to missing documentation.     Reviewer Comment (2018-03-09): Rec'd copy of ARM disclosure.
       2 B [Redacted] TX Primary Refinance - Cash-out - Other 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 or on terms on which the borrower and the lender or holder otherwise agree. C B B B C B C A Non QM Non QM No
202957234 [Redacted] [Redacted] 5568970 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003   Missing Final 1003 signed by Borrowers   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
202957234 [Redacted] [Redacted] 5568982 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
202957234 [Redacted] [Redacted] 5569216 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-02-26): Received
 02/26/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B C B C B C A Non QM Non QM Yes
202957234 [Redacted] [Redacted] 5569217 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Final Loan Application) Texas Constitution Section 50(a)(6): No evidence the borrower(s) received a copy of the final loan application at or prior to closing.     Reviewer Comment (2018-04-21): Received


Buyer Comment (2018-04-10): TX Disclosure acknowledging borrower was provided a copy of the loan application. Please clear exception.


Reviewer Comment (2018-04-05): Application provided but borrower signature date is more than 2 months after settlement date.  Still lacking evidence that borrower received application at or prior to closing.


Reviewer Comment (2018-03-09): Final 1003 not provided in document uploaded.
 04/21/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other 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 or on terms on which the borrower and the lender or holder otherwise agree. C B C B C B C A Non QM Non QM Yes
202957234 [Redacted] [Redacted] 5569218 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/[Redacted] Disclosed TIP 144.19% > 139.664% Calculated TIP           2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202957234 [Redacted] [Redacted] 5579357 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted]) Final Closing Disclosure does not reflect a Lender credit for $28.80 tolerance.   Reviewer Comment (2018-03-12): Received Attestation letter
 03/12/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202957234 [Redacted] [Redacted] 5579358 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $28.80 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188) $28.80 Title - Tax Certificate Fee not disclosed on Loan Estimate dated [Redacted] but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-03-12): Received Attestation letter


Reviewer Comment (2018-03-09): Attestation letter provided shows $28.00 rather than $28.80.


Reviewer Comment (2018-02-26): Nothing received to clear this exception
 03/12/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
202957234 [Redacted] [Redacted] 5612491 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 50.19371% exceeds Guideline total debt ratio of 45.00000%. 50.19% > 45% Non-Prime program (January 8, 2018 matrix).  Lender's DTI 49.42% > 45%.  Exception not acknowledged by Lender. 19.7 months reserves > 3 months guideline minimum - borrowers have verified reserves of $88,368.01

Borrower on this Full documentation loan has a disposable income of $6,800.26

Borrower has job stability for 17 years as an [Redacted]		 Reviewer Comment (2018-02-26): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Reserves. 2) Residual Income. 3) Stable Employment History.


Reviewer Comment (2018-02-20): Gave borrower 23 month avg for income.
     02/26/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
202957234 [Redacted] [Redacted] 5612576 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/[Redacted])     Reviewer Comment (2018-02-26): Received receipt confirmation
 02/26/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
202957234 [Redacted] [Redacted] 5612577 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-02-26): Received DTI exception approval
 02/26/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
202957234 [Redacted] [Redacted] 5612578 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-02-26): Received DTI exception approval
 02/26/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
202957244 [Redacted] [Redacted] 5619672 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. Loan submitted as Higher Priced QM.   Reviewer Comment (2018-02-26): Received updated data tape with updated designation
 02/26/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Non QM Yes
202957244 [Redacted] [Redacted] 5619673 [Redacted] [Redacted] Compliance Compliance Federal Compliance QM Deferment of Principal Qualified Mortgage (Dodd-Frank 2014): Terms of the subject loan provide for deferment of principal as an Interest Only loan. Loan submitted as Higher Priced QM and loan is Interest-Only ARM.   Reviewer Comment (2018-02-26): Received updated data tape with updated designation
 02/26/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C B A A Higher Priced QM Non QM No
202957244 [Redacted] [Redacted] 5619675 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. (Final/[Redacted]) Final CD number of months for property tax under prepaids was left blank.           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Higher Priced QM Non QM Yes
202957244 [Redacted] [Redacted] 5619678 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on  [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted]) Redisclosed CD's that correspond to the Change of circumstances in the loan file were not provided.   Reviewer Comment (2018-02-28): Rec'd 1/16/18 CD.
 02/28/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Higher Priced QM Non QM Yes
202957244 [Redacted] [Redacted] 5619679 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $126.00 plus 10% or $138.60.  Insufficient or no cure was provided to the borrower. (0) Redisclosed CD's that correspond to the Change of circumstances in the loan file were not provided.   Reviewer Comment (2018-02-28): Rec'd 1/16/18 CD.
 02/28/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Higher Priced QM Non QM Yes
202957244 [Redacted] [Redacted] 5619680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $22,632.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200) Redisclosed CD's that correspond to the Change of circumstances in the loan file were not provided.   Reviewer Comment (2018-02-28): Rec'd 1/16/18 CD.
 02/28/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Higher Priced QM Non QM Yes
202957244 [Redacted] [Redacted] 5645413 [Redacted] [Redacted] Credit Guideline Guideline Issue Loan product type is ineligible per guidelines.   Borrower is receiving more than $2000.00 cash-out in this transaction.  Interest-only loans are not allowed under cash-out program. Residual income $19,000 on Full Doc Loan Reviewer Comment (2018-02-26): Received Credit Risk Summary & Exception approval 2/26/18


Buyer Comment (2018-02-26): this is to clear the Credit Score, Loan Program Ineligible,  and Cash out on interest only exceptions. Thanks.
     02/26/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C B A A Higher Priced QM Non QM No
202957244 [Redacted] [Redacted] 5645462 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 688 is less than Guideline representative FICO score of 700. FICO is < guideline minimum of 700 for primary residence interest-only loan. Residual income $19,000 on Full Doc Loan Reviewer Comment (2018-02-26): Received Credit Risk Summary & Exception approval 2/26/18


Buyer Comment (2018-02-26): this is to clear the Credit Score and Cash out on interest only exceptions. Thanks.
     02/26/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C B A A Higher Priced QM Non QM No
202957244 [Redacted] [Redacted] 5645468 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of [Redacted] is greater than Guideline total cash-out of $2,000.00. Total cash-out amount exceeds rate/term refinance maximum of $2,000.00. LTV [Redacted]%, 12 mos. reserves exceeds 6 mos. required, $19,175 residual income. Reviewer Comment (2018-02-28): Rec'd exception for cash out.
     02/28/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C B A A Higher Priced QM Non QM No
202957244 [Redacted] [Redacted] 5692667 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Received updated data tape with updated designation           2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C B A A Higher Priced QM Non QM Yes
202957244 [Redacted] [Redacted] 5718801 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $126.00 plus 10% or $138.60.  Sufficient or excess cure was provided to the borrower at Closing. (0)         02/28/2018   1 A [Redacted] CA Primary Refinance - Rate/Term Final CD evidences Cure C B C B C B A A Higher Priced QM Non QM Yes
202957246 [Redacted] [Redacted] 5565357 [Redacted] [Redacted] Compliance Compliance Federal Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Appraiser did not analyze Purchase Contract.   Reviewer Comment (2018-04-26): Received updated appraisal
 04/26/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957246 [Redacted] [Redacted] 5565360 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. (Final/[Redacted]) Disclosure reflects Closing Date of ([Redacted], but transaction consummation (mortgage notary) date was ([Redacted]).  Data was corrected on subsequent CD, however required letter of explanation not found in file.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565361 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/363724) CD reflects $259.95, calculates to be $446.31.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565362 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]  disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/363725) CD reflects $259.95, calculates to be $446.31.  Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565363 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/363726) CD reflects $259.95, calculates to be $446.31.  Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565364 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/363727) CD reflects $259.95, calculates to be $446.31.  Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565366 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/363724) CD reflects $1,429.71, calculates to be $1,606.71.  Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565367 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Loan Amount TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Loan Amount that does not match the actual loan amount for the loan. (Final/[Redacted]) CD reflects $187,500, calculates to be $186,000.   Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565368 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[Redacted]) Seller's CD seller paid fees do not match that of the consumer's CD   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565570 [Redacted] [Redacted] 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. Escrow account disclosure   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957246 [Redacted] [Redacted] 5565571 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Payment Max Amount TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/[Redacted]) CD reflects $1,754, calculates to be $1,740.   Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565572 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Principal and Interest TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/[Redacted]) CD reflects $1,169.76, calculates to be $1,160.40.   Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565573 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/363725) CD reflects $962, calculates to be $954.  Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565574 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/363726) CD reflects $926, calculates to be $919.   Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565575 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/363727) CD reflects $926, calculates to be $919.   Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565576 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/363725) CD reflects $1,397, calculates to be $1,385.  Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565577 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/363726) CD reflects $1,634, calculates to be $1,620.  Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565578 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/363727) CD reflects $1,754, calculates to be $1,740.  Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565579 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/363724) CD reflects $1,169.76, calculates to be $1,160.40.   Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565580 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Loan Amount TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on [Redacted] disclosed a Loan Amount that does not match the actual loan amount for the loan. (Final[Redacted]) CD reflects [Redacted].   Data was corrected on subsequent CD.   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565581 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] CD reflects 120.861%, calculates to be $120.867%   Reviewer Comment (2018-03-29): Corrected on actual Final dated [Redacted]
 03/29/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5565584 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client is to order a secondary appraisal upon securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957246 [Redacted] [Redacted] 5565637 [Redacted] [Redacted] Credit Property - Appraisal General Appraisal Requirements Appraiser did not analyze the purchase contract Valuation Type: Appraisal / Valuation Report Date: [Redacted]     Reviewer Comment (2018-04-26): Received revised appraisal
 04/26/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957246 [Redacted] [Redacted] 5569369 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $14,366.43 is less than Cash From Borrower $51,610.95.     Reviewer Comment (2018-02-21): Received Wire from [Redacted]
 02/21/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
202957246 [Redacted] [Redacted] 5591875 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   TRID Non-Compliant:  Missing provider for Title -  Survey fee.  CD reflects TBD   Reviewer Comment (2018-04-10): Data was corrected on subsequent CDs (SFIG)
 04/10/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 5592574 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Values TIL-RESPA Integrated Disclosure – Final Closing Disclosure provided on [Redacted] contains estimated values that do not represent final terms or closing costs to the borrower. (Final/[Redacted]) COC in file indicates borrower requested a loan amount change [Redacted].  Note date is [Redacted].  Loan amount on CD is $[Redacted] while Note reflects $[Redacted].   Reviewer Comment (2018-03-29): Corrected on actual Final dated 1/17/18
 03/29/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 6024409 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Values TIL-RESPA Integrated Disclosure – Final Closing Disclosure provided on [Redacted] contains estimated values that do not represent final terms or closing costs to the borrower. (Final/[Redacted] Updated 3/29 - but same exception previously on loan, now based on the actual final of 1/17   Reviewer Comment (2018-03-29): Cured with PCCD at closing
   03/29/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957246 [Redacted] [Redacted] 6024410 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/[Redacted]) Updated 3/29 - but same exception previously on loan, now based on the actual final of 1/17   Reviewer Comment (2018-03-29): Cured with PCCD at closing
   03/29/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
202957259 [Redacted] [Redacted] 5598817 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.43661% exceeds Guideline total debt ratio of 45.00000%. 45.44% > 45% [Redacted] Statement program (January 2018 matrix).  Lender's DTI calculation 44.36%.     45.44% review DTI includes $1,540.52 P&I amount per 30 Year Fixed Rate Note.   Lender's 44.36% includes a $1,460.10 P&I amount per 1008 Loan Transmittal. 704 > 680 minimum score Reviewer Comment (2018-02-22): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factor: Credit Score.
     02/22/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202957259 [Redacted] [Redacted] 5598868 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202957259 [Redacted] [Redacted] 5598979 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-02-22): Received Exception approval
 02/22/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
202957259 [Redacted] [Redacted] 5598980 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-02-22): Received Exception approval
 02/22/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202957259 [Redacted] [Redacted] 5598982 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. (Final/[Redacted]) Section F, Line 04 (# months) field is blank.  $995.66 Property Taxes paid by Seller before closing disclosed.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202957259 [Redacted] [Redacted] 5598983 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final[Redacted]) .           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202957259 [Redacted] [Redacted] 5614332 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing [Redacted] mortgage statement verifying $1,539.00 payment for departing residence includes escrow for taxes, insurance and HOA.   Reviewer Comment (2018-03-13): Received
 03/13/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202957273 [Redacted] [Redacted] 5607044 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document was not provided in the file.   Reviewer Comment (2018-02-21): Received edisclosure
 02/21/2018     1 A [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C B A A C B A A Non QM Non QM No
202957273 [Redacted] [Redacted] 5607046 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted]) Title - Recording Service Fee $15.45, plus Recording Fees increased without valid Change Circumstance $185.60.   Reviewer Comment (2018-04-16): Received LOE and PC CD


Reviewer Comment (2018-04-12): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.  The PC CD does not correctly reflect the tolerance cure at the bottom of page two or in the Calculating Cash to Close table on page 3.
   04/16/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
202957273 [Redacted] [Redacted] 5607049 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $15.45 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-02-21): Received Attestation letter
 02/21/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Non QM Non QM Yes
202957273 [Redacted] [Redacted] 5639130 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $355.00 exceeds tolerance of $154.00 plus 10% or $169.40.  Insufficient or no cure was provided to the borrower. (0) No valid Change of Circumstance provided for increase of recording fee.   Reviewer Comment (2018-04-16): Received LOE and PC CD, LOE, refund check, deliver


Reviewer Comment (2018-04-12): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.  The PC CD does not correctly reflect the tolerance cure at the bottom of page two or in the Calculating Cash to Close table on page 3.


Reviewer Comment (2018-03-23): Need valid explanation for recording fee increasing to $379 from $154, Loan amount alone would not effect this.
   04/16/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Non QM Non QM Yes
202957275 [Redacted] [Redacted] 5592393 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] IN Investment Purchase   C A C A     C A     No
202957275 [Redacted] [Redacted] 5600208 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note Addendum - Prepayment not provided   Missing prepayment addendum.   Reviewer Comment (2018-04-05): Received Mod without prepay and PCCD with no prepay
 04/05/2018     1 A [Redacted] IN Investment Purchase   C A C A     C A     No
202957279 [Redacted] [Redacted] 5577071 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
202957279 [Redacted] [Redacted] 5577169 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.16 is less than Guideline PITIA months reserves of 6.00. Reserve requirements not met: Borrower has 2 months < 6 month guideline minimum.  Lender Exception approval (pg. 178) with comp factors: DTI and Payment shock. 35.517% DTI on this Alternative - 12 months bank statement documentation loan < 45% guideline max - 9% below program guideline maximum

Payment Shock of 123.47% is < 200% guideline max for FTHB.

792 representative FICO score > 700 guideline minimum - 92 points above guideline minimum		 Reviewer Comment (2018-02-15): Lender Exception Approval provided.
     02/15/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
202957279 [Redacted] [Redacted] 5578227 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. The NMLS #[Redacted] provided for the originator, [Redacted], belongs to [Redacted] per the NMLS lookup.   Reviewer Comment (2018-04-05): Received copy of corrected Note, 1003 and Scrivener's Affidavit with check for recording


Buyer Comment (2018-04-02): uploaded evidence borrower received 1003 with correct NMLS number for the loan officer


Buyer Comment (2018-03-14): uploaded Post Consummation CD with the correct NMLS number for the loan originator, and confirmation it has been sent to the borrowers.
 04/05/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
202957279 [Redacted] [Redacted] 5578228 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing   Reviewer Comment (2018-02-22): Esign consent agreements provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
202957279 [Redacted] [Redacted] 5578232 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. SSPL missing   Reviewer Comment (2018-02-22): SSPL provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
202957279 [Redacted] [Redacted] 5578255 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/[Redacted]) Initial CD not signed and verification of borrowers receipt was not provided.   Reviewer Comment (2018-02-22): Verification of E-receipt by borrower on 01/25/2018 provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
202957279 [Redacted] [Redacted] 5606315 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification [Redacted] report for business states business is inactive.  Borrower LOX stated he is no longer registered with [Redacted] and is licensed with the State of [Redacted]and that a copy was attached to the LOX.  A copy of the active business license was not provided.  CPA verified verbally that the business is active on [Redacted], however, due to the fact that [Redacted] is showing the business as inactive we require a copy of the active license to verify the status of the business.   Reviewer Comment (2018-02-22): Business License with active status provided on 02/17/2018.
 02/22/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
202957282 [Redacted] [Redacted] 5610923 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.22990% exceeds Guideline total debt ratio of 45.00000%. 47.22% > 45% Portfolio Select Bank Statement program (January 2018 matrix).  Lender's DTI 46.48% > 45%.  Compensating factors: Credit history and Residual income Guideline variance approved by lender at time of origination based on credit history with 0 late payments > 36 months and residual income $4,529.10 > $3,000 guideline required. Reviewer Comment (2018-02-20): Credit Risk Summary & Exception approval p313
     02/20/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202957282 [Redacted] [Redacted] 5610930 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
202957282 [Redacted] [Redacted] 5610998 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
202957282 [Redacted] [Redacted] 5642784 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[Redacted]disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final[Redacted]) Disclosed TIP 130.711% > 128.517% Calculated TIP   Reviewer Comment (2018-03-08): cleared with compliance re-run
 03/08/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202957282 [Redacted] [Redacted] 5642785 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted]) Final Closing Disclosure reflects a $19.60 Lender credit for tolerance.  $19.60 < $50.00 and $20.05 tolerance amounts,   Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check and proof of delivery.
   03/08/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
202957282 [Redacted] [Redacted] 5642786 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Fee not disclosed on Loan Estimate dated [Redacted] but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure reflects a $19.60 Lender credit for tolerance.  $19.60 < $50.00 and $20.05 tolerance amounts,   Reviewer Comment (2018-02-21): received Attestation letter surrounding fees and provider chosen
 02/21/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
202957282 [Redacted] [Redacted] 5642787 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,736.05 exceeds tolerance of $3,716.00.  Insufficient or no cure was provided to the borrower. (8304) $3716.00 fee disclosed on Loan Estimate dated [Redacted] but disclosed as $3,736.05 on final Closing Disclosure.  Valid Change of Circumstance not provided.  Final Closing Disclosure reflects a $19.60 Lender credit for tolerance.  $19.60 < $50.00 and $20.05 tolerance amounts,   Reviewer Comment (2018-03-08): Rec'd corrected CD, LOE to the borrower, copy of refund check and proof of delivery.
   03/08/2018   2 B [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
202957282 [Redacted] [Redacted] 5646802 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Documentation provided was payments made on father's mortgage account Guideline variance approved by lender at time of origination based on credit history with 0 late payments > 36 months and residual income $4,529.10 > $3,000 guideline required. Reviewer Comment (2018-02-20): Credit Risk Summary & Exception approval p313
     02/20/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203035565 [Redacted] [Redacted] 5661639 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C B C B B B C A N/A N/A No
203035565 [Redacted] [Redacted] 5662238 [Redacted] [Redacted] Compliance Compliance Federal Compliance Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Borrower was not provided Flood disclosure 10 days prior to closing. Notice dated [Redacted]. Note dated [Redacted].           2 B [Redacted] FL Investment Purchase   C B C B B B C A N/A N/A No
203035565 [Redacted] [Redacted] 5663944 [Redacted] [Redacted] Credit Assets Asset Eligibility Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines   Credit Risk Summary & Exception Approval in file, page 249. Seller Concession > maximum allowed. Compensating Factors: 1) Credit Score. 2) LTV. Credit Score of 666 > minimum 660

[Redacted]% LTV < 60% guideline max		 Reviewer Comment (2018-02-22): Compensating Factors: 1) Credit Score. 2) LTV.
     02/22/2018 2 B [Redacted] FL Investment Purchase   C B C B B B C A N/A N/A No
203035566 [Redacted] [Redacted] 5664084 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B A A C B C A Non QM Non QM No
203035566 [Redacted] [Redacted] 5664378 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $89.89 exceeds tolerance of $56.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520) Final CD reflects a Lender tolerance cure       02/22/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B A A C B C A Non QM Non QM Yes
203035566 [Redacted] [Redacted] 5669055 [Redacted] [Redacted] Compliance Compliance State Compliance Georgia Home Loan (Fee Charged for Payoff Statement) Georgia Home Loan: Impermissible fee charged for payoff statement. Seller Fee shown in Section C should be in Section H   Reviewer Comment (2018-02-26): Rec'd LOE, corrected CD and evidence of emailing.
 02/26/2018     1 A [Redacted] GA Primary Purchase   C B A A C B C A Non QM Non QM No
203035566 [Redacted] [Redacted] 5669056 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/[Redacted]) $16,750 > $15,970   Reviewer Comment (2018-02-26): Rec'd LOE, corrected CD and evidence of emailing.
   02/26/2018   2 B [Redacted] GA Primary Purchase   C B A A C B C A Non QM Non QM Yes
203035750 [Redacted] [Redacted] 5664520 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/[Redacted]8) Loan Originator Compensation.  Fee Amount of $4,463.00   Reviewer Comment (2018-03-15): Rec'd Letter of Explanation & Corrected Closing Disclosure
   03/15/2018   2 B [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203035750 [Redacted] [Redacted] 5664524 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/[Redacted]) The Seller's CD reported 27,305.89 in seller paid fees versus $0 reported on the Final CD.   Reviewer Comment (2018-03-15): Rec'd Letter of Explanation & Corrected Closing Disclosure
   03/15/2018   2 B [Redacted] IL Primary Purchase   C B A A C B C A Non QM Non QM Yes
203035750 [Redacted] [Redacted] 5664631 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] IL Primary Purchase   C B A A C B C A Non QM Non QM No
203035750 [Redacted] [Redacted] 5676207 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/370716) Property tax escrow used semi-annual amount as yearly amount. Monthly tax escrow should be double.   Reviewer Comment (2018-03-22): Received Proof of delivery


Reviewer Comment (2018-03-15): Rec'd LOE, corrected CD, copy of refund check. Missing proof of delivery - UPS tracking doesn't show as sent..
   03/22/2018   2 B [Redacted] IL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203035750 [Redacted] [Redacted] 5676208 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/370717) Property tax escrow used semi-annual amount as yearly amount. Monthly tax escrow should be double.   Reviewer Comment (2018-03-22): Received Proof of delivery


Reviewer Comment (2018-03-15): Rec'd LOE, corrected CD, copy of refund check. Missing proof of delivery - UPS tracking doesn't show as sent..
   03/22/2018   2 B [Redacted] IL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203035750 [Redacted] [Redacted] 5676210 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/370718) Property tax escrow used semi-annual amount as yearly amount. Monthly tax escrow should be double.   Reviewer Comment (2018-03-22): Received Proof of delivery


Reviewer Comment (2018-03-15): Rec'd LOE, corrected CD, copy of refund check. Missing proof of delivery - UPS tracking doesn't show as sent..
   03/22/2018   2 B [Redacted] IL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203035750 [Redacted] [Redacted] 5676211 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/370719) Property tax escrow used semi-annual amount as yearly amount. Monthly tax escrow should be double.   Reviewer Comment (2018-03-22): Received Proof of delivery


Reviewer Comment (2018-03-15): Rec'd LOE, corrected CD, copy of refund check. Missing proof of delivery - UPS tracking doesn't show as sent..
   03/22/2018   2 B [Redacted] IL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203035750 [Redacted] [Redacted] 5676212 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/370716) Property tax escrow used semi-annual amount as yearly amount. Monthly tax escrow should be double.   Reviewer Comment (2018-03-22): Received Proof of delivery


Reviewer Comment (2018-03-15): Rec'd LOE, corrected CD, copy of refund check. Missing proof of delivery - UPS tracking doesn't show as sent..
   03/22/2018   2 B [Redacted] IL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203035750 [Redacted] [Redacted] 5676213 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation.  Fee Amount of $4,463.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7326) Fee name change from LE to CD.   Reviewer Comment (2018-03-22): Received Proof of delivery


Reviewer Comment (2018-03-15): Rec'd LOE, corrected CD, copy of refund check. Missing proof of delivery - UPS tracking doesn't show as sent..
   03/22/2018   2 B [Redacted] IL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203042387 [Redacted] [Redacted] 5710070 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   The client will order report at the time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A A A A A C A Non QM Non QM No
203042388 [Redacted] [Redacted] 5694234 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM No
203042388 [Redacted] [Redacted] 5694505 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign Disclosure           2 B [Redacted] TX Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203042388 [Redacted] [Redacted] 5694506 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller paid Property taxes $992.27, additional Title Guarantee $1.50 and Warranty $216.37 were not disclosed on Borrower CD.   Reviewer Comment (2018-02-28): Rec'd LOE, corrected CD and evidence of emailing.
   02/28/2018   2 B [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM Yes
203042389 [Redacted] [Redacted] 5700773 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NC Primary Purchase   C B A A B B C A Non QM Non QM No
203042389 [Redacted] [Redacted] 5705765 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.80650% or Final Disclosure APR of 7.91500% is in excess of allowable threshold of APOR 4.17% + 1.5%, or 5.67000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Purchase   C B A A B B C A Non QM Non QM No
203042389 [Redacted] [Redacted] 5709231 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. This was not provided in file.           2 B [Redacted] NC Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203042389 [Redacted] [Redacted] 5709232 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $495.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) $30 cure provided to borrower.       02/27/2018   1 A [Redacted] NC Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203042389 [Redacted] [Redacted] 5709243 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Multiple fees disclosed on seller CD not provided on consumer final CD.   Reviewer Comment (2018-03-01): Rec'd LOE, corrected CD and evidence of emailing.
   03/01/2018   2 B [Redacted] NC Primary Purchase   C B A A B B C A Non QM Non QM Yes
203042389 [Redacted] [Redacted] 5712729 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Disclosure reflects TIP of 152.045% but calculated TIP is 149.746%, which is outside of .003% tolerance.  Index value used by lender is 2.231 for testing.           2 B [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203048565 [Redacted] [Redacted] 5736263 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Bid Tape reflected Originator Loan Designation as Higher Priced QM.   Reviewer Comment (2018-03-19): Reviewed original tape and updated
 03/19/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
203048565 [Redacted] [Redacted] 5736639 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance binder reflects coverage less than both loan amount and cost to rebuild. No lender documented insured value provided to support lower coverage.   Reviewer Comment (2018-03-19): Received documentation showing lender documented reconstruction cost with debris removal at $800,647


Buyer Comment (2018-03-13): Insurance Company's Replacement Cost Estimator has been uploaded.
 03/19/2018     1 A [Redacted] GA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
203048565 [Redacted] [Redacted] 5747636 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Cure provided.       03/01/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
203048565 [Redacted] [Redacted] 5747637 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,091.00 exceeds tolerance of $5,051.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Cure provided.       03/01/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
203048566 [Redacted] [Redacted] 5726465 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   D A D A B A C A Non QM Non QM No
203048566 [Redacted] [Redacted] 5726874 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign Consent Agreement was not provided.   Reviewer Comment (2018-03-05): rec'd e-consent
 03/05/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure D A D A B A C A Non QM Non QM No
203048566 [Redacted] [Redacted] 5732364 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided   Missing Quit Claim Deed from [Redacted] (joined by spouse if married, or non homestead language) to A[Redacted] (Borrower and titled non-borrower) as required per title commitment (p 224).  All three individuals are current title holders.  Mortgage and RTC executed by Borrower and [Redacted](non-borrower)   Reviewer Comment (2018-03-05): Rec'd QCD.
 03/05/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   D A D A B A C A Non QM Non QM No
203048566 [Redacted] [Redacted] 5733067 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Permanent Resident Alien card expired on [Redacted] and letter of extension only extends through [Redacted]  The borrower's unexpired Visa is also missing from the file.   Reviewer Comment (2018-05-21): Received copy of perm res. card with expiration date of 5/4/28
 05/21/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   D A D A B A C A Non QM Non QM No
203048567 [Redacted] [Redacted] 5710334 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] GA Second Home Refinance - Rate/Term   C B A A C B C A Non QM Non QM No
203048567 [Redacted] [Redacted] 5710731 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Settlement Service Providers Disclosure is missing.           2 B [Redacted] GA Second Home Refinance - Rate/Term No Defined Cure C B A A C B C A Non QM Non QM No
203048567 [Redacted] [Redacted] 5721145 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA  -  Initial Escrow Account Statement Not Provided Timely RESPA: Initial escrow account statement was not provided to the borrower at closing. Final CD dated [Redacted] but Closing documents signed [Redacted]           2 B [Redacted] GA Second Home Refinance - Rate/Term   C B A A C B C A Non QM Non QM No
203048567 [Redacted] [Redacted] 5721146 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Final CD dated [Redacted] but Closing documents signed [Redacted]           2 B [Redacted] GA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203048567 [Redacted] [Redacted] 5721163 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on  [Redacted]   did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit.  [Redacted]  $175.00 Title - Notary Fee shown on Final CD dated [Redacted]   Reviewer Comment (2018-03-14): Received LOE, PC CD, Check, and delivery


Reviewer Comment (2018-03-12): Rec'd corrected CD and evidence of emailing.  Missing LOE to Borrower, copy of refund check and proof of delivery.
   03/14/2018   2 B [Redacted] GA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203048567 [Redacted] [Redacted] 5721726 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   TILA-RESPA Intregrated Disclosure - Loan Calculations: Final Closing Disclosure provided [Redacted] disclosed a Finance Charge that does not match the actual finance charge for the loan. Disclosed [Redacted] > Calculated [Redacted]   Reviewer Comment (2018-03-14): Received LOE, PC CD, Check, and delivery


Reviewer Comment (2018-03-12): Rec'd corrected CD and evidence of emailing.  Missing LOE to Borrower, copy of refund check and proof of delivery.
   03/14/2018   2 B [Redacted] GA Second Home Refinance - Rate/Term   C B A A C B C A Non QM Non QM Yes
203048568 [Redacted] [Redacted] 5729318 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 02/05/2018, Transaction Verified the effective date is 2/5/2018 which is after the date of closing.   Reviewer Comment (2018-03-05): Received new HOI dec page


Buyer Comment (2018-03-05): Hazard Policy from [Redacted] has been uploaded.  Effective dates of the policy are [Redacted] to [Redacted]  Policy Premium is $3,219.62.
 03/05/2018     1 A [Redacted] TX Primary Purchase   C B C A C B A A Non QM Non QM No
203048568 [Redacted] [Redacted] 5729949 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [Redacted] CD monthly homeowners $268.30 vs actual monthly homeowners $266.19.   Reviewer Comment (2018-03-05): Rec'd LOE, corrected CD and evidence of emailing.
   03/05/2018   2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Non QM Non QM Yes
203048568 [Redacted] [Redacted] 5729954 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted]   Reviewer Comment (2018-03-05): Rec'd LOE, corrected CD and evidence of emailing.
   03/05/2018   2 B [Redacted] TX Primary Purchase   C B C A C B A A Non QM Non QM Yes
203048568 [Redacted] [Redacted] 5732522 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/374483) Homeowners insurance policy documentation indicates annual premium of $3194.29, which matches initial CD. Final CD discloses annual premium and monthly escrows at $3219.12 with no supporting documentation. All payment streams incorrect.   Reviewer Comment (2018-03-05): Received new HOI dec page
 03/05/2018     1 A [Redacted] TX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Non QM Non QM Yes
203048568 [Redacted] [Redacted] 5732523 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/374484) Homeowners insurance policy documentation indicates annual premium of $3194.29, which matches initial CD. Final CD discloses annual premium and monthly escrows at $3219.12 with no supporting documentation. All payment streams incorrect.   Reviewer Comment (2018-03-05): Received new HOI dec page


Buyer Comment (2018-03-05): Hazard Dec page showing policy effective dates of 01/30/2018 to 01/30/2019, and a policy premium of $3,219.62 has been uploaded.
 03/05/2018     1 A [Redacted] TX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Non QM Non QM Yes
203048568 [Redacted] [Redacted] 5732524 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/374485) Homeowners insurance policy documentation indicates annual premium of $3194.29, which matches initial CD. Final CD discloses annual premium and monthly escrows at $3219.12 with no supporting documentation. All payment streams incorrect.   Reviewer Comment (2018-03-05): Received new HOI dec page


Buyer Comment (2018-03-05): Hazard Policy from [Redacted] has been uploaded.  Effective dates of the policy are [Redacted] to [Redacted]  Policy Premium is $3,219.62.  Post Consummation CD with the correct hazard policy premium has been disclosed.
 03/05/2018     1 A [Redacted] TX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Non QM Non QM Yes
203048568 [Redacted] [Redacted] 5732525 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/374486) Homeowners insurance policy documentation indicates annual premium of $3194.29, which matches initial CD. Final CD discloses annual premium and monthly escrows at $3219.12 with no supporting documentation. All payment streams incorrect.   Reviewer Comment (2018-03-05): Received new HOI dec page


Buyer Comment (2018-03-05): Hazard Policy from [Redacted] has been uploaded.  Effective dates of the policy are 01/30/2018 to 01/30/2019.  Policy Premium is $3,219.62.  Post Consummation CD with the correct hazard policy premium has been disclosed.  Confirmation PCCD has been sent has been uploaded.
 03/05/2018     1 A [Redacted] TX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Non QM Non QM Yes
203048568 [Redacted] [Redacted] 5732526 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/374483) Homeowners insurance policy documentation indicates annual premium of $3194.29, which matches initial CD. Final CD discloses annual premium and monthly escrows at $3219.12 with no supporting documentation. All payment streams incorrect.   Reviewer Comment (2018-03-05): Received new HOI dec page
 03/05/2018     1 A [Redacted] TX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Non QM Non QM Yes
203048569 [Redacted] [Redacted] 5738088 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.49 is less than Guideline PITIA months reserves of 6.00. 0.49 months < 6 months [Redacted] program (January 2018 matrix).  Lender's 0 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.    Compensating factors:  LTV and Residual income Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-03-01): Credit Risk Summary & Exception approval p232
     03/01/2018 2 B [Redacted] NC Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203048569 [Redacted] [Redacted] 5738091 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.80517% exceeds Guideline total debt ratio of 45.00000%. [Redacted] program (January 8, 2018 matrix) Lender's Credit Risk Summary & Exception Approval in file.    Compensating factors:  LTV and Residual income Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-03-01): Credit Risk Summary & Exception approval p232
     03/01/2018 2 B [Redacted] NC Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203048569 [Redacted] [Redacted] 5738102 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203048569 [Redacted] [Redacted] 5738723 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-05): Rec'd e-consent
 03/05/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203048569 [Redacted] [Redacted] 5738725 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. .           2 B [Redacted] NC Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203048569 [Redacted] [Redacted] 5741525 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.73920% or Final Disclosure APR of 6.78000% is in excess of allowable threshold of APOR 3.99% + 1.5%, or 5.49000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203048569 [Redacted] [Redacted] 5741745 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor Qualifying Residual income discrepancy. Calculated investor qualifying disposable income of $2,979.56 is less than AUS required disposable income of $3,000.00. $[Redacted] program (January 8, 2018 matrix).  Lender's $[Redacted] [Redacted]% LTV < 75% guideline max Reviewer Comment (2018-03-06): Received Credit Risk Summary & Exception approval 3/6/18


Reviewer Comment (2018-03-05): Rec'd an exception for reserve requirements not met.  Missing exception for residual income.
     03/06/2018 2 B [Redacted] NC Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203048571 [Redacted] [Redacted] 5743623 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203048571 [Redacted] [Redacted] 5752522 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-05): Received
 03/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203048571 [Redacted] [Redacted] 5752713 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Closing Disclosure dated [Redacted] discloses a [Redacted] closing date <> [Redacted] closing date.  Note, Mortgage and Right To Cancel dated [Redacted] and Closing Disclosure dated [Redacted] acknowledged by Borrower on [Redacted]           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203048571 [Redacted] [Redacted] 5753598 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.42771% exceeds Guideline total debt ratio of 45.00000%. [Redacted]program (January 8, 2018 matrix).  Lender's [Redacted]%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit history, LTV, Reserves, Residual income, stable employment 32 months reserves > 6 months guideline minimum - borrowers have verified reserves of $182,310.80.

Guideline variance approved by lender at time of origination.  LTV of [Redacted]%.

Guideline variance approved by lender at time of origination.  No derogatory credit since 2011.

Borrower has job stability for 14 years as a [Redacted].  $6,320 in residual income; guideline on requires $2,000.		 Reviewer Comment (2018-03-05): Received Credit Risk Summary & Exception approval 3/5/18
     03/05/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203048571 [Redacted] [Redacted] 5753608 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 45.11533% exceeds Guideline housing ratio of 40.00000%. [Redacted]program (January 8, 2018 matrix).  Lender's [Redacted]%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit history, LTV, Reserves, Residual income, stable employment 32 months reserves > 6 months guideline minimum - borrowers have verified reserves of $182,310.80.

Guideline variance approved by lender at time of origination.  LTV of [Redacted]%.

Guideline variance approved by lender at time of origination.  No derogatory credit since 2011.

Borrower has job stability for 14 years as a [Redacted].  $6,320 in residual income; guideline on requires $2,000.		 Reviewer Comment (2018-03-05): Received Credit Risk Summary & Exception approval 3/5/18
     03/05/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203048571 [Redacted] [Redacted] 5753622 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-03-05): Received Credit Risk Summary & Exception approval 3/5/18
 03/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203048571 [Redacted] [Redacted] 5753623 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-03-05): Received Credit Risk Summary & Exception approval 3/5/18
 03/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203048572 [Redacted] [Redacted] 5732196 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] TX Investment Refinance - Rate/Term   C A A A     C A     No
203048574 [Redacted] [Redacted] 5718428 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided       Reviewer Comment (2018-03-01): Received
 03/01/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203048574 [Redacted] [Redacted] 5718675 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203048574 [Redacted] [Redacted] 5718868 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign Disclosure is missing.   Reviewer Comment (2018-03-01): Received
 03/01/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure C B C B B A C A Non QM Non QM No
203048574 [Redacted] [Redacted] 5720225 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Rider - PUD not provided   Missing page 2 of the PUD rider   Reviewer Comment (2018-03-09): Received
 03/09/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203048574 [Redacted] [Redacted] 5725723 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.35 is less than Guideline PITIA months reserves of 6.00.   33% DTI on this Alt documentation loan < 45% guideline max Reviewer Comment (2018-03-01): Received Credit Risk Summary & Exception form with Comp Factors 3/1/18


Reviewer Comment (2018-03-01): Received Credit Risk Summary & Exception form with Comp Factors


Reviewer Comment (2018-02-28): Exception in file allowing the use of 50% of borrower's business funds.
     03/01/2018 2 B [Redacted] GA Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203048575 [Redacted] [Redacted] 5709359 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203048575 [Redacted] [Redacted] 5709679 [Redacted] [Redacted] Compliance Compliance State Compliance Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower. Verification of Borrower's receipt of the Home Loan Toolkit was not provided.           2 B [Redacted] MI Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203048575 [Redacted] [Redacted] 5709680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign consent agreement not provided.   Reviewer Comment (2018-03-05): Received
 03/05/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B C A Non QM Non QM No
203048575 [Redacted] [Redacted] 5709682 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Title-Recording Service Fee was not disclosed on Loan Estimate and is not paid to the same provider as other fees that were disclosed on the LE.   Reviewer Comment (2018-03-05): Received Attestation Letter
 03/05/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203048575 [Redacted] [Redacted] 5712030 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $3.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee was not disclosed on Loan Estimate and is not paid to the same provider as other fees that were disclosed on the LE.   Reviewer Comment (2018-03-05): Received Attestation Letter
 03/05/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203048575 [Redacted] [Redacted] 5713854 [Redacted] [Redacted] Credit Credit Credit Eligibility Public Record Issue:   File is missing verification of Foreclosure sale date or Deed in Lieu for mortgage listed on credit report.           2 B [Redacted] MI Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203048575 [Redacted] [Redacted] 5713888 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Credit Risk Summary & Exception Approval was not provided and is required by guidelines.   Reviewer Comment (2018-03-05): Received
 03/05/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203048576 [Redacted] [Redacted] 5725389 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-03-05): Received [Redacted] Inspection report dated 03/02/2018.
 03/05/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Safe Harbor QM Safe Harbor QM No
203048576 [Redacted] [Redacted] 5725855 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Safe Harbor QM Safe Harbor QM No
203048576 [Redacted] [Redacted] 5737916 [Redacted] [Redacted] Credit Credit Credit Eligibility Guideline Issue:  Foreclosure timeline outside of credit guidelines   4.12 years event seasoning on [Redacted] Note date < 5 years minimum required under Jumbo Prime (January 8, 2018 matrix) program. [Redacted]Foreclosure/Trustee's Deed Upon Sale dated recorded [Redacted].  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit score, credit history, housing payment decreased, LTV, payment shock, residual income and stable employment history Guideline variance approved by lender at time of origination Reviewer Comment (2018-03-01): Credit Risk Summary & Exception approval p263
     03/01/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Safe Harbor QM Safe Harbor QM No
203048576 [Redacted] [Redacted] 5738022 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 41.74244% exceeds Guideline housing ratio of 35.00000%. 41.74% > 35%.  Jumbo Prime (January 8, 2018 matrix) program. Lender's DTI 41.50% > 35%. Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit score, credit history, housing payment decreased, LTV, payment shock, residual income and stable employment history - *** QM loan ratios cannot be waived. Guideline variance approved by lender at time of origination Reviewer Comment (2018-03-20): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: Credit score, credit history, housing payment decreased, LTV, payment shock, residual income and stable employment history --- front end DTI can be waived on QM loans
     03/20/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Safe Harbor QM Safe Harbor QM No
203048576 [Redacted] [Redacted] 5739233 [Redacted] [Redacted] Compliance Compliance Federal Compliance Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). [Redacted] Missing 2017 YTD Balance Sheet for [Redacted]   Reviewer Comment (2018-03-09): Received
 03/09/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Safe Harbor QM Safe Harbor QM No
203048576 [Redacted] [Redacted] 5739257 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Balance Sheet Missing 2017 YTD Balance Sheet for [Redacted]   Reviewer Comment (2018-03-09): Received
 03/09/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Safe Harbor QM Safe Harbor QM No
203048576 [Redacted] [Redacted] 5739344 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Risk. Non-QM due to income documentation --- UPDATED, Safe Harbor does not match Higher Priced QM   Reviewer Comment (2018-03-23): Corrected original data tape input
 03/23/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C B C A C A Safe Harbor QM Safe Harbor QM Yes
203048576 [Redacted] [Redacted] 5739510 [Redacted] [Redacted] Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. 43.20847% > 43%   *** QM loan ratios cannot be waived.   Reviewer Comment (2018-03-20): Updated rental liabilities on rental properties
 03/20/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Safe Harbor QM Safe Harbor QM No
203048576 [Redacted] [Redacted] 5739562 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 43.20847% exceeds Guideline total debt ratio of 43.00000%. 43.21% > 43%  Jumbo Prime (January 8, 2018 matrix) program. Lender's DTI 42.96%   Reviewer Comment (2018-03-20): Updated input on rental properties
 03/20/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Safe Harbor QM Safe Harbor QM No
203048576 [Redacted] [Redacted] 5739657 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum,   Reviewer Comment (2018-03-20): Updated DTI with rental liabilities
 03/20/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Safe Harbor QM Safe Harbor QM No
203048578 [Redacted] [Redacted] 5744224 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-05): Received
 03/05/2018     1 A [Redacted] MD Primary Purchase No Defined Cure B A A A B A A A Non QM Non QM No
203048579 [Redacted] [Redacted] 5736502 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C B Non QM Non QM No
203048579 [Redacted] [Redacted] 5737878 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document was not provided in the file.   Reviewer Comment (2018-03-05): Received
 03/05/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B B A C B Non QM Non QM No
203048579 [Redacted] [Redacted] 5740568 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor Qualifying Residual income discrepancy. Calculated investor qualifying disposable income of $2,526.71 is less than AUS required disposable income of $3,000.00. Credit Risk Summary & Exception Approval in file, page 241. Residual Income < required. Compensating Factors: 1) Credit History. 2) DTI(housing). 3) Debt decreasing. Housing Ratio of 27.025% is less than 40% maximum Reviewer Comment (2018-03-01): Compensating Factors: 1) Credit History. 2) DTI(housing). 3) Debt decreasing.
     03/01/2018 2 B [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C B Non QM Non QM No
203048579 [Redacted] [Redacted] 5743284 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 50.00000%. Credit Risk Summary & Exception Approval in file, page 241. LTV - Property recently listed. Compensating Factors: 1) Credit History. 2) DTI(housing). 3) Debt decreasing. Housing Ratio of 27.025% is less than 40% maximum Reviewer Comment (2018-03-01): Compensating Factors: 1) Credit History. 2) DTI(housing). 3) Debt decreasing.
     03/01/2018 2 B [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C B Non QM Non QM No
203048579 [Redacted] [Redacted] 5743402 [Redacted] [Redacted] Property Valuation General Subject is a refinance and property is listed for sale.   Cash-Out Transactions: Evidence that the property was taken off the market at least one day prior to the application date.
The borrower must confirm in writing: The reason for the prior listing; and Intent to occupy the subject property. (LOE in file, missing evidence of property taken off market)		 Housing Ratio of 27.025% is less than 40% maximum

LTV, credit history, overall debt decreasing by over $1,498 per month.		 Reviewer Comment (2018-03-07): Exception in file for property currently not off market at time of close.


Reviewer Comment (2018-03-05): Received another LOE, but still need evidence property taken off market at least one day prior to application date.
     03/07/2018 2 B [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C B Non QM Non QM No
203048580 [Redacted] [Redacted] 5747248 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $50.00 + $1,387.50   Reviewer Comment (2018-04-10): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.


Reviewer Comment (2018-04-05): Rec'd LOE, corrected CD and evidence of emailing.  Missing copy of refund check and proof of delivery. ($777)
   04/10/2018   2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048580 [Redacted] [Redacted] 5747429 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.   Reviewer Comment (2018-03-08): Received updated data tape with restated designation
 03/08/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048580 [Redacted] [Redacted] 5749800 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Missing documentation for sale of current home including settlement statement and receipt of proceeds. 28.10% DTI on this Full documentation loan < 43% guideline max

Borrower on this Full documentation loan has a disposable income of $10,579.46		 Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception Approval. Assets: Reserve requirement not met. Compensating Factors: 1) DTI. 2) Payment Shock. 3) Residual Income.


Reviewer Comment (2018-03-09): Received Final CD, however $10,000 less than expected.  reserves are at 3 months where 6 months are required.  Simultaneous funding so evidence of receipt not required.
     04/05/2018 2 B [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Safe Harbor QM No
203048580 [Redacted] [Redacted] 5749812 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted], Borrower: [Redacted] VVOE within 10 days of the note date
VVOE within 10 days of the note		     Reviewer Comment (2018-04-05): received
 04/05/2018     1 A [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Safe Harbor QM No
203048580 [Redacted] [Redacted] 5749840 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $45,724.44 is less than Cash From Borrower $165,816.62. Missing documentation for sale of current home including settlement statement and receipt of proceeds.   Reviewer Comment (2018-03-09): Received Closing Disclosure from sale disbursed [Redacted]
 03/09/2018     1 A [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Safe Harbor QM No
203048580 [Redacted] [Redacted] 5750019 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $9,589.50 exceeds tolerance of $8,812.50.  Insufficient or no cure was provided to the borrower. (7200) Fee increased from $8,812.50 on CD dated [Redacted] to $10,200.00 on CD dated [Redacted] CD to be used to rebaseline [Redacted] was not issued within 7 days of expected consummation for that CD [Redacted]   Reviewer Comment (2018-04-10): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.


Reviewer Comment (2018-04-05): Rec'd LOE, corrected CD and evidence of emailing.  Missing copy of refund check and proof of delivery. ($777)


Reviewer Comment (2018-03-09): Unable to clear with Change of Circumstance dated 01/12/2018, this is a rebaseline issue.
   04/10/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048580 [Redacted] [Redacted] 5750021 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7724) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-05): Received Attestation letter
 04/05/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048580 [Redacted] [Redacted] 5758352 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Credit Event Seasoning outside of Guidelines. Less than 60 months since Short Sale [Redacted] per Fraud Report. 28.10% DTI on this Full documentation loan < 43% guideline max

Borrower on this Full documentation loan has a disposable income of $10,579.46		 Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception Approval. Credit event seasoning not met. Compensating Factors: 1) DTI. 2) Payment Shock. 3) Residual Income.
     04/05/2018 2 B [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Safe Harbor QM No
203048580 [Redacted] [Redacted] 5759632 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Home Warranty shown in Section C should be in Section H   Reviewer Comment (2018-04-05): Rec'd LOE, corrected CD and evidence of emailing.
   04/05/2018   2 B [Redacted] GA Primary Purchase Good Faith Redisclosure C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048580 [Redacted] [Redacted] 5760422 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD doesn't show Home Warranty fee.   Reviewer Comment (2018-04-05): Rec'd LOE, corrected CD and evidence of emailing.
   04/05/2018   2 B [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048580 [Redacted] [Redacted] 5812975 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated data tape with restated designation           2 B [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048580 [Redacted] [Redacted] 6086594 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7728) revised upon receipt of Attestation letter   Reviewer Comment (2018-04-10): Received Attestation letter
 04/10/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048581 [Redacted] [Redacted] 5743180 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] CA Investment Purchase   C B C B     C A     No
203048581 [Redacted] [Redacted] 5760971 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Issue:  Insufficient tradelines per credit guidelines   Credit Risk Summary & Exception Approval in file, page 306. Credit: Tradeline requirements not met. Compensating Factors: 1) Credit History. 2) Reserves. $306,350.85 reserves available Reviewer Comment (2018-03-02): Compensating Factors: 1) Credit History. 2) Reserves.
     03/02/2018 2 B [Redacted] CA Investment Purchase   C B C B     C A     No
203048581 [Redacted] [Redacted] 5761017 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing mortgage payment information (PITIA) for[Redacted].   Reviewer Comment (2018-03-07): Rec'd 1st payment letter and copy of CD.
 03/07/2018     1 A [Redacted] CA Investment Purchase   C B C B     C A     No
203048584 [Redacted] [Redacted] 5739352 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5741017 [Redacted] [Redacted] Compliance Compliance Federal Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Lender/Client on appraisal report differs from Note.           2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5741019 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. DTI > maximum, LTV > maximum, Reserves < minimum.   Reviewer Comment (2018-03-07): Cleared with compliance re-run.
 03/07/2018     1 A [Redacted] TX Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203048584 [Redacted] [Redacted] 5741020 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Bank Statements Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. [Redacted] Missing documentation supporting 2 years self-employment and 100% owner of [Redacted]. [Redacted]Statement program available to only self-employed Borrowers.   Reviewer Comment (2018-03-07): Cleared with compliance re-run.


Reviewer Comment (2018-03-05): Received business info for [Redacted].
 03/07/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5741021 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing VVOE within 10 days of closing   Reviewer Comment (2018-03-05): Received Vvoe
 03/05/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5744805 [Redacted] [Redacted] Property Property - Appraisal General Appraisal Requirements Valuation Exception:    - Missing Appraisal Transfer letter from the original lender on their letterhead stating they are transferring the appraisal to [Redacted].  Lender/Client on appraisal report differs from Note.

- Missing corrected 1004 appraisal reflecting assignment type as Purchase. Purpose on appraisal states refinance.  Transaction is a purchase.		   Reviewer Comment (2018-03-07): Rec'd a revised appraisal reflecting [Redacted] as lender and the transaction as a purchase.
 03/07/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5744831 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Unsourced deposit transfer included in income calculation under [Redacted]Statement program.  $1[Redacted] transfer deposit [Redacted] from unverified source [Redacted] Information on account not documented in file.  Monthly income calculation $19,494.73 (50.79% DTI).  $15,000.00 included in Lender's $20,744.00 (47.765% DTI) calculation.  Lender's Credit Risk Summary & Exception Approval in file for exception to keep $15,000.00 deposit in income calculation.  Compensating factors: Credit history, DTI (housing) and Stable employment. Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-03-02): Credit Risk Summary & Exception approval p238
     03/02/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5744952 [Redacted] [Redacted] Credit Assets Asset Documentation Missing Document: Asset Documentation not provided   Missing verification Borrower is 100% owner of [Redacted] to support 100% use and access of $65,490.27 and $20,552.93 in funds from business on deposit with [Redacted]   Reviewer Comment (2018-03-05): Received document showing Borrower is 50% owner of [Redacted]. 50% of biz assets used.
 03/05/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5744995 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $53,129.33 is less than Cash From Borrower $59,922.95. $53,129.33 < $59,922.95   Reviewer Comment (2018-03-05): Received document showing Borrower is 50% owner of [Redacted]. 50% of biz assets used.
 03/05/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5745027 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 12.00. 0 months reserves < 12 months required 456.08228% > 250% under [Redacted] Statement program.   Lender's reserve calculation 0 and payment shock 454.1%. Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit history, DTI (housing) and Stable employment. Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-03-02): Credit Risk Summary & Exception approval p238
     03/02/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5745119 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Missing Gap Report within 7 days of closing   Reviewer Comment (2018-03-05): Received, liabilities updated - new DTI 47.3973%
 03/05/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5745142 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.73000% exceeds Guideline total debt ratio of 45.00000%. 47.73% > 45% Portfolio Select Bank Statement program.  Lender's DTI 47.77% > 45%.  Lender's Credit Risk Summary & Exception Approval in file for exception to keep $15,000.00 deposit in income calculation.  Compensating factors: Credit history, DTI (housing) and Stable employment. Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-03-02): Credit Risk Summary & Exception approval p238
     03/02/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5745161 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   456.08228% > 250% under [Redacted]Statement program.   Lender's calculation 454.1% > 250%.  Lender's Credit Risk Summary & Exception Approval in file for exception to keep $15,000.00 deposit in income calculation.  Compensating factors: Credit history, DTI (housing) and Stable employment. Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-03-02): Credit Risk Summary & Exception approval p238
     03/02/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5745293 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 85.00000%. [Redacted]% > 85%. 668 lowest of both Borrowers scores under [Redacted]program supports[Redacted]% LTV max.  668 < 700 minimum required for approved [Redacted]% LTV.   Rate per Note based on a 7.875% base rate, [Redacted]% LTV, 660 minimum score required. Lender's Credit Risk Summary & Exception Approval in file for exception to keep $15,000.00 deposit in income calculation.  Compensating factors: Credit history, DTI (housing) and Stable employment. Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-03-02): Credit Risk Summary & Exception approval p238
     03/02/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5745337 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of[Redacted]% exceeds Guideline combined loan to value percentage of 85.00000%. [Redacted]% > 85%. 668 lowest of both Borrowers scores under [Redacted]Statement program supports 85% LTV max.  668 < 700 minimum required for approved [Redacted]% LTV.   Rate per Note based on a 7.875% base rate,[Redacted]% LTV, 660 minimum score required. Lender's Credit Risk Summary & Exception Approval in file for exception to keep $15,000.00 deposit in income calculation.  Compensating factors: Credit history, DTI (housing) and Stable employment. Borrower has job stability for 6 years as Self Employed Reviewer Comment (2018-03-07): Received Credit Risk Summary & Exception approval 3/7/18
     03/07/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5745392 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Missing documentation supporting 2 years self-employment and 100% owner of [Redacted].  Portfolio Select Bank Statement program available to only self-employed Borrowers.   Reviewer Comment (2018-03-09): Not required as this is a Personal bank statement loan


Reviewer Comment (2018-03-09): Received Business license, it does not say borrowers are sole owners


Reviewer Comment (2018-03-05): Received business info for [Redacted].
 03/09/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048584 [Redacted] [Redacted] 5745770 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $25.00 Document Fee and $100.00 Warranty Deed Preparation Fee paid by Seller at closing that are not disclosed on Consumer's CD           2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM Yes
203048584 [Redacted] [Redacted] 5745943 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not reflect a Lender credit for $4.50 tolerance.   Reviewer Comment (2018-03-07): Rec'd signed attestation letter.


Reviewer Comment (2018-03-05): Attestation letter provided is not signed
 03/07/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203048584 [Redacted] [Redacted] 5745944 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $[Redacted] exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) $4.50 Title Guaranty Fee not disclosed on Loan Estimate dated [Redacted] but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-03-07): Rec'd signed attestation letter.


Reviewer Comment (2018-03-05): Attestation letter provided is not signed
 03/07/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203048586 [Redacted] [Redacted] 5714586 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] CT Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203048586 [Redacted] [Redacted] 5715089 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) Connecticut Non-Prime Home Loan: APR on subject loan of 6.52780% is in excess of allowable threshold of APOR 4.20% + 1.5%, or 5.70000%.  Compliant Loan.             2 B [Redacted] CT Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203048586 [Redacted] [Redacted] 5715090 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign consent agreement was not found in the loan file.   Reviewer Comment (2018-03-02): rec'd e-consent
 03/02/2018     1 A [Redacted] CT Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203048586 [Redacted] [Redacted] 5716638 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not reflect a Lender credit for $85.00 tolerance; Title - Release fee is not paid to the same provider as other fees disclosed on Loan Estimates.   Reviewer Comment (2018-03-02): Rec'd LOE and CD reflecting correct payee.
   03/02/2018   2 B [Redacted] CT Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203048586 [Redacted] [Redacted] 5716639 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release(s).  Fee Amount of $85.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77182) $85.00 Title - Release Fee paid to On Track Release Tracking is not disclosed on Loan Estimate dated 1/3/2018 but disclosed on Final Closing Disclosure.  Provider for this fee is not the same provider for other title fees disclosed in Section C on the Initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $85.00 tolerance violation.   Reviewer Comment (2018-03-02): Rec'd LOE and CD reflecting correct payee.
   03/02/2018   2 B [Redacted] CT Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203048586 [Redacted] [Redacted] 5717526 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.23324% exceeds Guideline total debt ratio of 45.00000%. DTI of 46.23% > 45% guideline max; Lender Exception Approval not provided.  DTI is greater than Lender approval DTI of 45.684% due to increase in debts from GAP/Credit Refresh report. Reserves, residual income. Reviewer Comment (2018-03-02): Rec'd exception for:  DTI > maximum allowed.
     03/02/2018 2 B [Redacted] CT Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203048586 [Redacted] [Redacted] 5717542 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-03-02): rec'd DTI exception
 03/02/2018     1 A [Redacted] CT Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203048586 [Redacted] [Redacted] 5717543 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-03-02): rec'd DTI exception
 03/02/2018     1 A [Redacted] CT Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203048586 [Redacted] [Redacted] 5725607 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Credit Risk Summary & Exception Approval was not provided; required by guidelines.   Reviewer Comment (2018-03-02): Rec'e exception approval.
 03/02/2018     1 A [Redacted] CT Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203048586 [Redacted] [Redacted] 5725988 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Liability After Foreclosure Missing TILA-RESPA Integrated Disclosure - Other Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Liability After Foreclosure statement. [Redacted] Final CD does not reflect a selection for Liability after Foreclosure.   Reviewer Comment (2018-03-09): Rec'd LOE, corrected CD and evidence of emailing.
   03/09/2018   2 B [Redacted] CT Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203048588 [Redacted] [Redacted] 5712485 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
203048588 [Redacted] [Redacted] 5712930 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.   Reviewer Comment (2018-03-02): rec'd e-consent
 03/02/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203048588 [Redacted] [Redacted] 5712936 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $6.50 Title- E Recording Fee   Reviewer Comment (2018-03-02): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/02/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203048588 [Redacted] [Redacted] 5715659 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $[Redacted] exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-02): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/02/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203048588 [Redacted] [Redacted] 5716520 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] $17,768.00 > $15,512.00           2 B [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM Yes
203048588 [Redacted] [Redacted] 5724086 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing Compliance Report ([Redacted].)   Reviewer Comment (2018-03-02): Rec'd compliance report.
 03/02/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
203048589 [Redacted] [Redacted] 5719657 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     [Redacted] LTV < 75% guideline max Reviewer Comment (2018-03-05): Received PDI showing no damage, no end date per FEMA yet
     03/05/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Higher Priced QM Safe Harbor QM No
203048589 [Redacted] [Redacted] 5722011 [Redacted] [Redacted] Compliance Compliance Federal Compliance S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). [Redacted]  Missing 2016 personal tax return   Reviewer Comment (2018-03-02): Received
 03/02/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Higher Priced QM Safe Harbor QM No
203048589 [Redacted] [Redacted] 5722024 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. 2016 1040's with all pages and schedules.   Reviewer Comment (2018-03-05): Received Amended Data Tape
 03/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048589 [Redacted] [Redacted] 5722098 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] 1040 (2016), VVOE within 10 days of the note date     Reviewer Comment (2018-03-02): Received
 03/02/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Higher Priced QM Safe Harbor QM No
203048589 [Redacted] [Redacted] 5731725 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of [Redacted] is greater than Guideline total cash-out of $200,000.00. Credit Risk Summary & Exception Approval in file, page 281. Cash Out exceeds maximum allowed by program. Compensating Factors: 1) Credit Score. 2) Credit History. 3) DTI. 4) LTV. 5) Residual Income. 6) Stable Employment History. 38.684% DTI on this Full documentation loan < 43% guideline max

[Redacted]% LTV < 75% guideline max

Borrower on this Full documentation loan has a disposable income of $9,143.58		 Reviewer Comment (2018-02-28): Compensating Factors: 1) Credit Score. 2) Credit History. 3) DTI. 4) LTV. 5) Residual Income. 6) Stable Employment History.
     02/28/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Higher Priced QM Safe Harbor QM No
203048589 [Redacted] [Redacted] 5775174 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received Amended Data Tape           2 B [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203048590 [Redacted] [Redacted] 5723595 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Flood certification was not provided.   Reviewer Comment (2018-03-05): provided
 03/05/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203048590 [Redacted] [Redacted] 5729889 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of [Redacted] is less than Guideline minimum loan amount of $150,000.00. Credit Risk Summary & Exception Approval in file, page 227. Loan Amount: Less than minimum allowed by program. Compensating Factors: 1) Credit Score. 2) Credit History. 3) DTI. 4) Reserves. 5) Stable Employment History. 29.678% DTI on this  Full documentation loan < 45% guideline max

767 credit score > 760 minimum

8.7 months reserves > 6 months minimum		 Reviewer Comment (2018-03-01): Compensating Factors: 1) Credit Score. 2) Credit History. 3) DTI. 4) Reserves. 5) Stable Employment History.
     03/01/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203048590 [Redacted] [Redacted] 5729918 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203048590 [Redacted] [Redacted] 5738220 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] $12,198.00 > $11,498.00           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203048590 [Redacted] [Redacted] 5745688 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Title - Transaction Fee to [Redacted] shown in Section C appears to be a Realtor fee that should be Section H.           2 B [Redacted] FL Primary Purchase Good Faith Redisclosure C B C B B B C A Non QM Non QM Yes
203048591 [Redacted] [Redacted] 5714303 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided       Reviewer Comment (2018-03-01): Received in trailing documents.
 03/01/2018     1 A [Redacted] MN Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203048591 [Redacted] [Redacted] 5714660 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] MN Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203048591 [Redacted] [Redacted] 5714689 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 7.20180% or Final Disclosure APR of 7.25000% is in excess of allowable threshold of USTreasury 2.7700% + 3%, or 5.77000%.  Compliant Subprime Loan.             2 B [Redacted] MN Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203048591 [Redacted] [Redacted] 5714690 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-01): 03/01/2018 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 03/01/2018     1 A [Redacted] MN Primary Refinance - Rate/Term No Defined Cure C B C A B B C A Non QM Non QM No
203048591 [Redacted] [Redacted] 5715552 [Redacted] [Redacted] Credit Compliance Miscellaneous Compliance Missing Affiliated Business Arrangement Disclosure and fee(s) were paid to affiliate.   Final Closing Disclosure, Section C, Line 01 discloses $25.00 Title - Courier fee paid by Borrower at closing paid to [Redacted]   Reviewer Comment (2018-03-05): Rec'd evidence the fee was not paid to an affiliate.  Also rec'd corrected CD, LOE to borrower and evidence of emailing.
 03/05/2018     1 A [Redacted] MN Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203048592 [Redacted] [Redacted] 5735798 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not in file.   Reviewer Comment (2018-03-09): Received
 03/09/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203048592 [Redacted] [Redacted] 5735800 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $8.00   Reviewer Comment (2018-03-09): Received attestation letter
 03/09/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203048592 [Redacted] [Redacted] 5735802 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $[Redacted] exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-09): Received attestation letter
 03/09/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203048592 [Redacted] [Redacted] 5736098 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203048592 [Redacted] [Redacted] 5742458 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower:[Redacted] VVOE within 10 days of the note date 1120s schedule E self employment  missing third party verification within 10 days of the note date. 29% DTI on this Full documentation loan < 45% guideline max Reviewer Comment (2018-03-12): Received Credit Risk Summary & Exception approval 3/12/18


Reviewer Comment (2018-03-09): Received outside the 10 days of closing
     03/12/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203048592 [Redacted] [Redacted] 5753283 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue:  Subject loan is a non-arms length transaction  outside of credit guidelines   Guideline 4.8 Non-Arm’s Length Transactions: Non-arm’s length transactions are not allowed. // Borrower purchasing home as lease option from ex-husband. 29% DTI on this Full documentation loan < 45% guideline max Reviewer Comment (2018-03-09): Received Credit Risk Summary & Exception approval 3/9/18 for ARMS length transaction / awarded in [Redacted]
     03/09/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203048593 [Redacted] [Redacted] 5728009 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C A A A     C A     No
203048594 [Redacted] [Redacted] 5727006 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Higher Priced QM Safe Harbor QM No
203048594 [Redacted] [Redacted] 5727652 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on [Redacted] disclosed a negative fee amount. [Redacted] Final CD disclosed negative fee amount for Seller           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Higher Priced QM Safe Harbor QM Yes
203048594 [Redacted] [Redacted] 5727666 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.   Reviewer Comment (2018-03-12): Received Amended Data Tape
 03/12/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Higher Priced QM Safe Harbor QM Yes
203048594 [Redacted] [Redacted] 5735020 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   VOR missing for a residential pay history with maximum 0x30x12.   Reviewer Comment (2018-03-07): Rec'd printout reflecting 12 months of rent clearing borrower's account.
 03/07/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Higher Priced QM Safe Harbor QM No
203048594 [Redacted] [Redacted] 5841754 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received Amended Data Tape           2 B [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Higher Priced QM Safe Harbor QM Yes
203048595 [Redacted] [Redacted] 5727070 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] AZ Primary Purchase   C B A A C B C A Non QM Non QM No
203048595 [Redacted] [Redacted] 5727097 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $8,625.38 while CD seller's fees total $9,938.74.
Seller's CD didn't include property taxes paid prior to closing.		           2 B [Redacted] AZ Primary Purchase   C B A A C B C A Non QM Non QM Yes
203048595 [Redacted] [Redacted] 5731150 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Initial Loan Estimate and/or Initial Servicing Disclosure were not provided; application date is [Redacted]   Reviewer Comment (2018-03-07): Rec'd initial LE
 03/07/2018     1 A [Redacted] AZ Primary Purchase Good faith redisclosure C B A A C B C A Non QM Non QM Yes
203048595 [Redacted] [Redacted] 5731152 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. [Redacted] Disclosure details document (pg.263-US) reflects an application date of [Redacted] and all initial disclosures were sent on [Redacted]  Initial Loan Estimate is missing from file.   Reviewer Comment (2018-03-07): Rec'd initial LE
 03/07/2018     1 A [Redacted] AZ Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203048595 [Redacted] [Redacted] 5731153 [Redacted] [Redacted] 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. Disclosure was provided within 3 days of the loan being changed from a Fixed rate to an ARM, however, the Initial LE and COC were not provided.   Reviewer Comment (2018-03-07): Rec'd initial LE
 03/07/2018     1 A [Redacted] AZ Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203048595 [Redacted] [Redacted] 5731898 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Disclosure was provided within 3 days of the loan being changed from a Fixed rate to an ARM, however, the Initial LE and COC were not provided.   Reviewer Comment (2018-03-07): Rec'd initial LE
 03/07/2018     1 A [Redacted] AZ Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203048596 [Redacted] [Redacted] 5751458 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower(s) are excluded from eligibility.   The use of asset depletion income in not permitted for a non owner occupied property per the Portfolio Select guidelines (16.1.4). [Redacted] < 65% maximum LTV

6.1 > 6.0 reserves required		 Reviewer Comment (2018-03-05): Received Credit Risk Summary & Exception Approval. Income Ineligible source: asset depletion allowed on noo. Compensating Factors: 1) LTV. 2) Reserves.
     03/05/2018 2 B [Redacted] CA Investment Refinance - Cash-out - Other   C B C B A A A A N/A N/A No
203048596 [Redacted] [Redacted] 5755356 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of [Redacted] is greater than Guideline total cash-out of $200,000.00. 2nd/NOO - Max cash-in-hand $200Kk   Reviewer Comment (2018-03-07): Lender allowing NOO on asset depletion, cash out with [Redacted] LTV reduction still meets LTV guidelines on asset depletion
 03/07/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   C B C B A A A A N/A N/A No
203048596 [Redacted] [Redacted] 5755370 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 58.44662% exceeds Guideline total debt ratio of 50.00000%. Asset depletion income not allowed on non-owner occupied loan.   Reviewer Comment (2018-03-05): Received Exception approval to use asset depletion income for a noo loan.
 03/05/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   C B C B A A A A N/A N/A No
203048597 [Redacted] [Redacted] 5729553 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.57100% exceeds Guideline total debt ratio of 45.00000%. [Redacted] > 45% [Redacted] (January 8, 2018 matrix).  Lender's DTI 49.94% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  Reserves and Residual income. Guideline variance approved by lender at time of origination Reviewer Comment (2018-03-01): Credit Risk Summary & Exception approval p293
     03/01/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048597 [Redacted] [Redacted] 5729614 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048597 [Redacted] [Redacted] 5729642 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   290.30204% > 250% Portfolio Select (January 8, 2018 matrix).  Lender's 298.4% > 250%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  Reserves and Residual income. Guideline variance approved by lender at time of origination Reviewer Comment (2018-03-01): Credit Risk Summary & Exception approval p293
     03/01/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048597 [Redacted] [Redacted] 5729887 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. [Redacted] Valuation received date [Redacted] < [Redacted] Valuation report date           2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048597 [Redacted] [Redacted] 5729892 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-07): Received E-Sign Consent Agreement provided to Borrower within 3 days of application
 03/07/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203048597 [Redacted] [Redacted] 5729897 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. .   Reviewer Comment (2018-03-07): Received ARM Disclosure provided to Borrower within 3 days of application.


Reviewer Comment (2018-03-07): .


Reviewer Comment (2018-03-07): Received E-Sign Consent Agreement provided to Borrower within 3 days of application.
 03/07/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203048597 [Redacted] [Redacted] 5733891 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 40.77783% exceeds Guideline housing ratio of 40.00000%. 40.78% > 40% Portfolio Select (January 8, 2018 matrix).  Lender's DTI 40.78% > 40%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  Reserves and Residual income. Residual income, reserves. Reviewer Comment (2018-03-08): Rec'd exception for DTI.  Housing ratio > max allowed by program.
     03/08/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203048597 [Redacted] [Redacted] 5733906 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney Review Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77166) $100.00 Title - Attorney Fee not disclosed on Loan Estimate dated 1/9/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $100.00 tolerance.   Reviewer Comment (2018-03-08): Rec'd attestation letter that fees were paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/08/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203048597 [Redacted] [Redacted] 5733907 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Commitment Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77170) $4.50 Title - Title Guaranty Fee not disclosed on Loan Estimate dated [Redacted] but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $4.50 tolerance.   Reviewer Comment (2018-03-08): Rec'd attestation letter that fees were paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/08/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203048597 [Redacted] [Redacted] 5733919 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not reflect a Lender credit for $7,460.50 total Zero Percent tolerance amount   Reviewer Comment (2018-03-08): Cleared with compliance re-run.  COC in file for increase in loan amount / decrease in rate is valid.
 03/08/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203048597 [Redacted] [Redacted] 5733920 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $9,630.00 exceeds tolerance of $2,274.00.  Insufficient or no cure was provided to the borrower. (7200) $2,274.00 Discount Fee for [Redacted] loan amount disclosed on Loan Estimate dated [Redacted]  $9,630.00 Discount Fee amount disclosed on Initial and Final Closing Disclosure.   Valid Change of Circumstance disclosing $26,750.00 increase change in loan amount resulted in $7,356.00 fee increase not in file.  Final Closing Disclosure does not reflect a Lender credit for $7,356.00 Zero Percent tolerance.   Reviewer Comment (2018-03-08): Cleared with compliance re-run.  COC in file for increase in loan amount / decrease in rate is valid.
 03/08/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203048598 [Redacted] [Redacted] 5736895 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] WA Investment Purchase   C B C B A A C A N/A N/A No
203048598 [Redacted] [Redacted] 5747178 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Seller concession > max allowed.  Credit Risk Summary & Exception Approval (pg.239) with approved exception to allow $11,200.00 total concessions. Comp Factors: Reserves and Residual Income. 113.77 months reserves > 6 months guideline minimum - borrowers have verified reserves of $322,097.75

Borrower on this Full documentation loan has a disposable income of $9,143.60.		 Reviewer Comment (2018-03-01): Lender Exception approval provided.
     03/01/2018 2 B [Redacted] WA Investment Purchase   C B C B A A C A N/A N/A No
203048599 [Redacted] [Redacted] 5726182 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C A Non QM Non QM No
203048599 [Redacted] [Redacted] 5738952 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.54475% exceeds Guideline total debt ratio of 45.00000%. DTI < Guideline Max.  Credit Risk Summary & Exception Approval, pg 237; exception granted DTI > 45%.  Compensating Factors: 1) Low Payment shock 2) Residual Income Borrower on this Full documentation loan has a disposable income of $3,518.35

Payment shock of 98% < 350% guideline max.		 Reviewer Comment (2018-03-01): Lender exception approval provided.
     03/01/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C A Non QM Non QM No
203048599 [Redacted] [Redacted] 5739026 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign consent agreement not provided.   Reviewer Comment (2018-03-02): Received


Buyer Comment (2018-03-02): TRID E-consent for both borrowers uploaded.
 03/02/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B B A C A Non QM Non QM No
203048599 [Redacted] [Redacted] 5746347 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Provide proof that [Redacted] account, reporting as past due on GAP report, was brought current prior to closing.  Guidelines require all accounts to be current. Borrower on this Full documentation loan has a disposable income of $3,518.35

Payment shock of 98% < 350% guideline max.		 Reviewer Comment (2018-03-05): Rec'd exception for past due account not paid current at closing.


Reviewer Comment (2018-03-02): Credit report still shows [Redacted] open and delinquent as of January 2018.


Buyer Comment (2018-03-02): TRID E-consent for both borrowers uploaded.
Gap Credit report dated 1/29/18 shows [Redacted] account is current ($0.00 past due)
     03/05/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C A Non QM Non QM No
203048601 [Redacted] [Redacted] 5745346 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-06): Received secondary product within 10%
 03/06/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203048601 [Redacted] [Redacted] 5756605 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing evidence delinquent [Redacted] paid current.  Delinquent consumer credit must be brought current prior to or at closing under Portfolio Select. [Redacted] LTV < max of 80% Reviewer Comment (2018-03-09): Received Credit Risk Summary & Exception approval 3/9/18
     03/09/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203048601 [Redacted] [Redacted] 5756868 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 636 is less than Guideline representative FICO score of 680. 636 score per Lender's credit report < 680 minimum Portfolio Select Non-Owner Cash-out program ([Redacted]  / [Redacted] Note date).  Exception not acknowledged by Lender. [Redacted] LTV < max of 80% Reviewer Comment (2018-03-09): Received Credit Risk Summary & Exception approval 3/9/18
     03/09/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203048603 [Redacted] [Redacted] 5727586 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.17 is less than Guideline PITIA months reserves of 6.00. 1.17 months PITI reserves < 6 months PITI reserves under Portfolio Select 1 Year Tax Return program ([Redacted] Note date).   Lender's 2 months calculation < 6 months.  Exception not acknowledged by Lender DTI, LTV Reviewer Comment (2018-03-05): Rec'd exception for reserve requirements not met.
     03/05/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203048603 [Redacted] [Redacted] 5727765 [Redacted] [Redacted] Credit System General Insurance address does not match Note address.   Address per Note: [Redacted]   Reviewer Comment (2018-04-05): Insurance address correct, getting corrected recording for the true Note address


Buyer Comment (2018-04-05): Please be advised the correct address is [Redacted]  Address on hazard policy is correct.


Reviewer Comment (2018-03-05): The insurance reflects a street name of [Redacted] whereas the note reflects [Redacted]


Buyer Comment (2018-03-05): Insurance company used the abbreviation of [Redacted] in the property address, instead of typing out the full word.  Address is the same.  Please clear condition.
 04/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203048603 [Redacted] [Redacted] 5727807 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: [Redacted] [Redacted]   Reviewer Comment (2018-04-05): Received paystub


Reviewer Comment (2018-03-19): Removed Borrower's Schedule C income (both) due to lack of documentation, DTI still good. Now only need paystubs for Co-Borrower.


Reviewer Comment (2018-03-09): Received exception approval to waive tax transcripts, nothing regarding these missing items.
 04/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203048603 [Redacted] [Redacted] 5727827 [Redacted] [Redacted] Credit System General Valuation address does not match Note address. Valuation Type: Appraisal / Valuation Report Date: [Redacted] [Redacted]   Reviewer Comment (2018-04-05): Valuation address correct, getting corrected recording for the true Note address


Reviewer Comment (2018-03-05): The appraisal reflects a street name of [Redacted] whereas the note reflects [Redacted]


Buyer Comment (2018-03-05): Valuation used the abbreviation of[Redacted] in the property address.  Property address is the same.  Please clear the condition.
 04/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203048603 [Redacted] [Redacted] 5728060 [Redacted] [Redacted] Compliance Compliance Federal Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.     Reviewer Comment (2018-04-05): Note must match Valuation to clear this one
       2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203048603 [Redacted] [Redacted] 5728063 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C B C B A A Non QM Non QM No
203048603 [Redacted] [Redacted] 5731737 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $665.00 exceeds tolerance of $495.00.  Insufficient or no cure was provided to the borrower. (7506) Final Closing Disclosure discloses a $170.00 Lender credit for tolerance.   Reviewer Comment (2018-03-15): Per receipt of attestation and documentation
 03/15/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Non QM Non QM Yes
203048603 [Redacted] [Redacted] 5731801 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure discloses a $170.00 Lender credit for Appraisal Fee Zero Percent tolerance.  Final Closing Disclosure does not reflect a Lender credit for $150.00 Discount Fee Zero Percent tolerance.   Reviewer Comment (2018-03-15): Per receipt of attestation and documentation
 03/15/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203048603 [Redacted] [Redacted] 5731802 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $5,400.00 exceeds tolerance of $5,250.00.  Insufficient or no cure was provided to the borrower. (7200) $5,250.00 Discount Fee disclosed on Loan Estimate dated [Redacted] but disclosed as $5,400.00 on Initial and Final Closing Disclosure.    Valid Change of Circumstance not in file.   Final Closing Disclosure discloses a $170.00 Lender credit for Appraisal Fee Zero Percent tolerance.  Final Closing Disclosure does not reflect a Lender credit for $150.00 Discount Fee Zero Percent tolerance.   Reviewer Comment (2018-03-15): Per receipt of attestation and documentation


Reviewer Comment (2018-03-05): Rec'd COC dated 1/22/18.  Missing COC for LE dated 11/22/17.


Buyer Comment (2018-03-05): Initial LE disclosed the loan amount as $[Redacted] on [Redacted]  Loan amount was changed on [Redacted] to [Redacted]  The change in the in discount points from $5,250 to $5,400 is a valid change of circumstance.  The Change of Circumstance form has been uploaded.
 03/15/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Non QM Non QM Yes
203048603 [Redacted] [Redacted] 5892186 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $665.00 exceeds tolerance of $495.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Per receipt of attestation and documentation       03/15/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B C B A A Non QM Non QM Yes
203048603 [Redacted] [Redacted] 6092680 [Redacted] [Redacted] Credit System General 1003 Subject Address does not match Note address.   Missing spelling of [Redacted] - Per our conversation, we are noting we received the affidavit but will wait to clear until we have a copy of the check for recording.   Reviewer Comment (2018-04-24): Rec'd Corrective Affidavit and check for recording.
 04/24/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203080195 [Redacted] [Redacted] 5863909 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-03-19): Received [Redacted] Post Disaster Inspection report dated 03/18/2018.
 03/19/2018     1 A [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203080195 [Redacted] [Redacted] 5864369 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] [Redacted]           2 B [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM Yes
203080195 [Redacted] [Redacted] 5864373 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA-RESPA Integrated Disclosure: application date on or after [Redacted] no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $33,484.94 may be required. Loan Estimate is not evident.   Reviewer Comment (2018-03-15): Received 3 Loan Estimates
 03/15/2018     1 A [Redacted] CA Primary Purchase No Specific remediation if the Loan Estimates were not provided to the consumer. C B C B C B A A Non QM Non QM No
203080195 [Redacted] [Redacted] 5864433 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Consent Agreement is missing.           2 B [Redacted] CA Primary Purchase No Defined Cure C B C B C B A A Non QM Non QM No
203080195 [Redacted] [Redacted] 5870776 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Servicing Disclosure Status File does not evidence the consumer was provided with the Servicing Disclosure. Missing Loan Estimate   Reviewer Comment (2018-03-15): Received 3 Loan Estimate
 03/15/2018     1 A [Redacted] CA Primary Purchase Good faith redisclosure C B C B C B A A Non QM Non QM Yes
203080195 [Redacted] [Redacted] 5870859 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Credit Risk Summary & Exception Approval in file, page 342. Credit Documentation missing: May, June and July rental payments. Compensating Factors: 1) Reserves. 2) Residual Income. 47.48 months reserves > 6 months guideline minimum.

Borrower on this 24 month business bank statement full documentation loan has a disposable income of $113,442.18 which is > than the $3,000.00 minimum.		 Reviewer Comment (2018-03-14): Compensating Factors: 1) Reserves. 2) Residual Income.
     03/14/2018 2 B [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203080195 [Redacted] [Redacted] 5880983 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Title: Evidence of title is missing   Missing Preliminary or Title Commitment, file only contains Supplemental Report.   Reviewer Comment (2018-03-15): Received
 03/15/2018     1 A [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203080195 [Redacted] [Redacted] 5896683 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $125.00 + $1,201.80 (New exception upon receipt of missing LE's)   Reviewer Comment (2018-03-20): Reran Compliance
 03/20/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203080195 [Redacted] [Redacted] 5896684 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. [Redacted] Nothing in file to determine date received by Borrower (New exception upon receipt of missing LE's)   Reviewer Comment (2018-03-22): Received Tracking tool


Reviewer Comment (2018-03-20): Received unsigned LE, using default received date.
 03/22/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B C B A A Non QM Non QM No
203080195 [Redacted] [Redacted] 5896685 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $6,044.00 exceeds tolerance of $4,402.00 plus 10% or $4,842.20.  Insufficient or no cure was provided to the borrower. (0) $1,201.80 needed for tolerance cure (New exception upon receipt of missing LE's)   Reviewer Comment (2018-03-20): Reran Compliance
 03/20/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Non QM Non QM Yes
203080195 [Redacted] [Redacted] 5896686 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77185) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing. (New exception upon receipt of missing LE's)   Reviewer Comment (2018-03-20): Received Attestation letter
 03/20/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Non QM Non QM Yes
203080195 [Redacted] [Redacted] 5896708 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Document not provided with LE's. (New exception upon receipt of missing LE's)   Reviewer Comment (2018-03-20): Received
 03/20/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B C B A A Non QM Non QM No
203080196 [Redacted] [Redacted] 5851986 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-03-19): Received ClearCapital Post Disaster Inspection report dated 03/15/2018.
 03/19/2018     1 A [Redacted] CA Primary Purchase   C A C A A A C A Non QM Non QM No
203080196 [Redacted] [Redacted] 5851987 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C A C A A A C A Non QM Non QM No
203080196 [Redacted] [Redacted] 5875436 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Telephone Listing / Internet Search / Directory Assistance Within 10 days of closing   Reviewer Comment (2018-03-20): Received internet printout
 03/20/2018     1 A [Redacted] CA Primary Purchase   C A C A A A C A Non QM Non QM No
203080197 [Redacted] [Redacted] 5829522 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   C A A A A A C A N/A N/A No
203080198 [Redacted] [Redacted] 5868335 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on [Redacted] contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation Missing Closing Disclosure for Change of Circumstance dated 12/21/2017 and Change of Circumstance dated 02/13/2018..   Reviewer Comment (2018-03-21): Received CD's dated 12/21/2017 and 02/13/2018.
 03/21/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C A C A Non QM Non QM No
203080198 [Redacted] [Redacted] 5869764 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of [Redacted] is less than Guideline minimum loan amount of [Redacted] Interest Only product 26 months reserves > 6 months guideline minimum Reviewer Comment (2018-03-20): Received Credit Risk Summary & Exception approval 3/20/18
     03/20/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203080198 [Redacted] [Redacted] 5869765 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203080198 [Redacted] [Redacted] 5883130 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 47.38850% exceeds Guideline housing ratio of 40.00000%. Credit Risk Summary & Exception Approval in file, page 333. Debt Ratio exceeds program guidelines. Compensating Factors: none listed. 26 months reserves > 6 months guideline minimum Reviewer Comment (2018-03-23): Received Credit Risk Summary & Exception approval 3/23/18


Reviewer Comment (2018-03-14): Compensating Factors: none
     03/23/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203080198 [Redacted] [Redacted] 5883134 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.38850% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 333. Debt Ratio exceeds program guidelines. Compensating Factors: none listed. 26 months reserves > 6 months guideline minimum Reviewer Comment (2018-03-23): Received Credit Risk Summary & Exception approval 3/23/18


Reviewer Comment (2018-03-14): Compensating Factors: none
     03/23/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203080198 [Redacted] [Redacted] 5883144 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Telephone Listing / Internet Search / Directory Assistance Verification of the existence of the business required within ten (10) days of closing needed for both Schedule C jobs. 26 months reserves > 6 months guideline minimum Reviewer Comment (2018-03-23): Received Credit Risk Summary & Exception approval 3/23/18


Reviewer Comment (2018-03-20): Received Internet Search on Borrower dated 3/20/18 p8
     03/23/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203080198 [Redacted] [Redacted] 5883167 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI & VVOE   Reviewer Comment (2018-03-23): Received Credit Risk Summary & Exception approval 3/23/18
 03/23/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203080198 [Redacted] [Redacted] 5883168 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI & VVOE   Reviewer Comment (2018-03-23): Received Credit Risk Summary & Exception approval 3/23/18
 03/23/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203080198 [Redacted] [Redacted] 5883169 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $133.00 plus 10% or $146.30.  Sufficient or excess cure was provided to the borrower at Closing. (0)         03/14/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B C B C A C A Non QM Non QM Yes
203080198 [Redacted] [Redacted] 5883170 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $540.00 exceeds tolerance of $525.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         03/14/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B C B C A C A Non QM Non QM Yes
203080199 [Redacted] [Redacted] 5836013 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203080199 [Redacted] [Redacted] 5836014 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7535)         03/10/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203080199 [Redacted] [Redacted] 5836041 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203080199 [Redacted] [Redacted] 5844981 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.49 is less than Guideline PITIA months reserves of 12.00. 2.49 months [Redacted] < 12 months [Redacted] under [Redacted] Statement program with 667.81931% payment shock > 200%.  [Redacted] assets ($2,266.54) excluded from closing/reserve.  Missing letter from 3rd account holder, [Redacted].   Lender's 6 months calculation < 12.  Exception not acknowledged by Lender. Borrower on this Alt documentation loan has a disposable income of $22,000 Reviewer Comment (2018-03-14): Received Credit Risk Summary & Exception approval 3/14/18
     03/14/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203080199 [Redacted] [Redacted] 5848022 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   667.81931% > 300% [Redacted] Statement program.  Lender's 666.20% > 300%.  Exception not acknowledged by Lender. Borrower on this Alt documentation loan has a disposable income of $22,000 Reviewer Comment (2018-03-14): Received Credit Risk Summary & Exception approval 3/14/18
     03/14/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203080199 [Redacted] [Redacted] 5848514 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Final Closing Disclosure discloses a $25.00 Lender credit for tolerance.       03/12/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203080199 [Redacted] [Redacted] 5849957 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Consumer's CD discloses $7,500.00 additional RE Seller Commission fee and $130.00 Seller's fee paid by Seller at closing not disclosed on Seller's CD.  Seller's CD discloses $18,750.00 RE Buyer Commission fee $2,500.00 Attorney fee and $90.31 additional amount of Property Taxes paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203080200 [Redacted] [Redacted] 5871463 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-03-19): Received [Redacted] Post Disaster Inspection report dated 03/15/2018
 03/19/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203080200 [Redacted] [Redacted] 5871464 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203080200 [Redacted] [Redacted] 5871927 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/384962) $1,868.00 disclosed minimum P&I payment > $5,157.00 projected P&I minimum   Reviewer Comment (2018-03-19): Alternative method for disclosure utilized by creditor is acceptable.
 03/19/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C A C A Non QM Non QM Yes
203080200 [Redacted] [Redacted] 5871928 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/384963) $1,868.00 disclosed minimum P&I payment > $5,157.00 projected P&I minimum   Reviewer Comment (2018-03-19): Alternative method for disclosure utilized by creditor is acceptable.
 03/19/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C A C A Non QM Non QM Yes
203080200 [Redacted] [Redacted] 5871929 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $157.00 plus 10% or $172.70.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $202.30 Lender credit for tolerance.       03/14/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B C A C A Non QM Non QM Yes
203080200 [Redacted] [Redacted] 5883109 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 683 is less than Guideline representative FICO score of 700. 683 < 700 Primary Residence - Interest-Only program under Jumbo Prime 7/1 Interest-Only ARM program (January 8, 2018 matrix).  Exception Approval e-mail from [Redacted] - Credit Risk Officer [Redacted] in file (no compensating factors) 12  months reserves > 6 months guideline minimum Reviewer Comment (2018-03-20): Received Credit Risk Summary & Exception approval 3/20/18


Reviewer Comment (2018-03-20): Received Comp Factors


Reviewer Comment (2018-03-14): Exception Approval e-mail from [Redacted] - Credit Risk Officer AOMS in file (no compensating factors)
     03/20/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203080201 [Redacted] [Redacted] 5847699 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203080201 [Redacted] [Redacted] 5851425 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-03-22): Document signed by Lender provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5851660 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Alternate Table Usage TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Initial LE doesn't indicate From or To Borrower on bottom of page 1, but revised LE has selection made "To".           2 B [Redacted] TX Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5851839 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.48 is less than Guideline PITIA months reserves of 6.00. 4.48 months < 6 months Portfolio Select Bank Statement program. Lender's 5 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.  Comp factors:  Credit score and Residual income Credit score of 769 > guidelines requirement of 740

Residual income of $9312.04 is three times over guideline requirement of $3000.00		 Reviewer Comment (2018-03-12): Lender's Credit Risk Summary & Exception Approval in file.  Comp factors:  Credit score and Residual income
     03/12/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203080201 [Redacted] [Redacted] 5851842 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.72673% exceeds Guideline total debt ratio of 45.00000%. 47.76% > 45% Portfolio Select Bank Statement program.  Lender's 47.27% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Comp factors:  Credit score and Residual income Lender's Credit Risk Summary & Exception Approval in file.  Comp factors:  Credit score and Residual income Reviewer Comment (2018-03-12): Lender's Credit Risk Summary & Exception Approval in file.  Comp factors:  Credit score and Residual income
     03/12/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203080201 [Redacted] [Redacted] 5851965 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203080201 [Redacted] [Redacted] 5881339 [Redacted] [Redacted] 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. Missing LOE to Borrower.   Reviewer Comment (2018-03-22): LOE to Borrower provided on 03/21/2018.


Reviewer Comment (2018-03-19): Missing LOE to Borrower


Reviewer Comment (2018-03-19): Corrected by PCCD in file dated 02/16/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203080201 [Redacted] [Redacted] 5881340 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Amount Financed TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. [Redacted] PCCD in file dated 02/16/2018, but still need: Letter of Explanation, Proof of Delivery, and Re-open Rescission if Applicable   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881341 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] PCCD in file dated 02/16/2018, but still need: Letter of Explanation, Proof of Delivery, and Re-open Rescission if Applicable   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881343 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/382822) PCCD in file dated 02/16/2018, but still need: Letter of Explanation, Proof of Delivery, and Re-open Rescission if Applicable.   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881344 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/382823) PCCD in file dated 02/16/2018, but still need: Letter of Explanation, Proof of Delivery, and Re-open Rescission if Applicable.   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881346 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/382824) PCCD in file dated 02/16/2018, but still need: Letter of Explanation, Proof of Delivery, and Re-open Rescission if Applicable.   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881347 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/382825) PCCD in file dated 02/16/2018, but still need: Letter of Explanation, Proof of Delivery, and Re-open Rescission if Applicable.   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881348 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/382822) PCCD in file dated 02/16/2018, but still need: Letter of Explanation, Proof of Delivery, and Re-open Rescission if Applicable.   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881349 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Finance Charge that does not match the actual finance charge for the loan. [Redacted] PCCD in file dated 02/16/2018, but still need: Letter of Explanation, Proof of Delivery, and Re-open Rescission if Applicable.   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881350 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Missing LOE to Borrower.   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.


Reviewer Comment (2018-03-19): Missing LOE to Borrower.


Reviewer Comment (2018-03-19): Corrected by PCCD in file date 02/16/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881351 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total of Payments that does not match the actual total of payments for the loan. [Redacted] PCCD in file dated 02/16/2018, but still need: Letter of Explanation, Proof of Delivery, and Re-open Rescission if Applicable.   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.
 03/22/2018     1 A [Redacted] TX 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 CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203080201 [Redacted] [Redacted] 5881352 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. [Redacted] Missing LOE to Borrower.   Reviewer Comment (2018-03-22): LOE, Proof of Delivery and ROR provided on 03/21/2018.


Reviewer Comment (2018-03-19): Missing LOE to Borrower.


Reviewer Comment (2018-03-19): Corrected by PCCD in file dated 02/16/2018.
 03/22/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203080202 [Redacted] [Redacted] 5827934 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $450 + $100 + $15 + $195   Reviewer Comment (2018-03-14): Rec'd valid COC.
 03/14/2018     1 A [Redacted] OK Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203080202 [Redacted] [Redacted] 5827935 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,445.00 exceeds tolerance of $2,250.00.  Insufficient or no cure was provided to the borrower. (7200) Loan amount changed on [Redacted] initial CD. Change in circumstance form provided does not indicate a reason for this fee change.   Reviewer Comment (2018-03-14): Rec'd valid COC.
 03/14/2018     1 A [Redacted] OK Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203080202 [Redacted] [Redacted] 5828075 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] OK Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Non QM Non QM No
203080202 [Redacted] [Redacted] 5828169 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 7.23200% or Final Disclosure APR of 7.26800% is in excess of allowable threshold of APOR 4.10% + 1.5%, or 5.60000%.  Compliant Higher Priced Loan.             2 B [Redacted] OK Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Non QM Non QM No
203080202 [Redacted] [Redacted] 5841242 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Liability After Foreclosure Missing TILA-RESPA Integrated Disclosure - Other Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Liability After Foreclosure statement. [Redacted] Box not checked off on CD   Reviewer Comment (2018-03-14): Rec’d LOE, corrected CD and evidence of emailing.
   03/14/2018   2 B [Redacted] OK Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203080202 [Redacted] [Redacted] 5841243 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $450.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-14): Rec'd attestation letter that fees were paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/14/2018     1 A [Redacted] OK Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203080202 [Redacted] [Redacted] 5841244 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $15.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-14): Rec'd attestation letter that fees were paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/14/2018     1 A [Redacted] OK Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203080202 [Redacted] [Redacted] 5841246 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77208) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-14): Rec'd attestation letter that fees were paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/14/2018     1 A [Redacted] OK Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203080203 [Redacted] [Redacted] 5825651 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM No
203080203 [Redacted] [Redacted] 5825991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign Consent Agreement   Reviewer Comment (2018-03-12): Received
 03/12/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203080203 [Redacted] [Redacted] 5825992 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). [Redacted] Mortgage Broker NMLS ID number not provided on the Final CD.   Reviewer Comment (2018-03-15): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-03-14): Received PCCD dated 03/14/2018, still missing Broker NMLS number. Also, missing LOE to Borrower. (Page 5 - see blank space on line labeled NMLS ID).


Reviewer Comment (2018-03-12): Received PCCD dated 03/12/2018, still missing Broker NMLS number. Also, missing LOE to Borrower.
   03/15/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203080203 [Redacted] [Redacted] 5825993 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $35.00   Reviewer Comment (2018-03-12): Received Attestation letter
 03/12/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203080203 [Redacted] [Redacted] 5825995 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $35.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-12): Received Attestation letter
 03/12/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203080204 [Redacted] [Redacted] 5840116 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Guideline 5.21 Housing/Mortgage/Rental Payment History: Mortgage and rental payment not reflected on the original credit report must be documented with cancelled checks. 33.186% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $5,449.27		 Reviewer Comment (2018-03-19): Received Credit Risk Summary & Exception Approval. Housing history requirements not met - Did not obtain cancelled checks for Rent. Compensating Factors: 1) DTI. 2) Residual Income.
     03/19/2018 2 B [Redacted] IL Primary Purchase   C B C B B B C A Non QM Non QM No
203080204 [Redacted] [Redacted] 5840329 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] IL Primary Purchase   C B C B B B C A Non QM Non QM No
203080204 [Redacted] [Redacted] 5841039 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Final Closing Disclosure reflects seller paid fees (J) as $12,300.00 and the seller CD reflects seller paid fees (J) as $12,303.00.           2 B [Redacted] IL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203080204 [Redacted] [Redacted] 5860429 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. not found in file   Reviewer Comment (2018-03-14): Received
 03/14/2018     1 A [Redacted] IL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203080205 [Redacted] [Redacted] 5857651 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 10.53 is less than Guideline PITIA months reserves of 12.00. Reserves do not meet 12 month guideline minimum. Lender Exception approval provided with compensating factors:Residual Income $8000.00 monthly and Stable Employment over 6 years. Borrower has self-employment stability for 6 years.

Borrower on this Foreign National - Full documentation loan has a disposable income of $8,769.47		 Reviewer Comment (2018-03-14): Lender exception approval provided.
     03/14/2018 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203080205 [Redacted] [Redacted] 5857694 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203080205 [Redacted] [Redacted] 5881391 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Borrower is a self-employed Foreign National. The self-employed business is to be independently verified (via [Redacted], or other means of verification) per guidelines and was not provided.  CPA letter and CPA verification is not sufficient to meet this requirement; these documents are independently required.   Reviewer Comment (2018-03-19): Received


Reviewer Comment (2018-03-15): Received information on [Redacted], however this does not appear to be the company owned by the borrower.  This is a Florida Corp, whereas the company the borrower owns is [Redacted]		 03/19/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203080205 [Redacted] [Redacted] 5881953 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Verification of Identification not provided   A valid unexpired VISA was not provided.  VISA in loan file expired on [Redacted]   Reviewer Comment (2018-03-19): Received VISA with [Redacted] expiration date
 03/19/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203080206 [Redacted] [Redacted] 5853915 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.14 is less than Guideline PITIA months reserves of 6.00. 2.14 months < 6 months Portfolio Select Bank Statement program.  Lender's zero months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.    Compensating factors:  DTI and Residual income 39.96% DTI on this full  documentation loan < 45% guideline max - 5.04% below program guideline maximum.

Borrower on this full documentation loan has a disposable income of $5,547.34 > $3,150.00 guideline minimum.		 Reviewer Comment (2018-03-13): Lender's Credit Risk Summary & Exception Approval in file.    Compensating factors:  DTI and Residual income
     03/13/2018 2 B [Redacted] CT Primary Purchase   C B C B B B C A Non QM Non QM No
203080206 [Redacted] [Redacted] 5853916 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   .Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CT Primary Purchase   C B C B B B C A Non QM Non QM No
203080206 [Redacted] [Redacted] 5858943 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) Connecticut Non-Prime Home Loan: APR on subject loan of 7.85930% is in excess of allowable threshold of APOR 4.01% + 1.5%, or 5.51000%.  Compliant Loan.             2 B [Redacted] CT Primary Purchase   C B C B B B C A Non QM Non QM No
203080206 [Redacted] [Redacted] 5858944 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-14): Received
 03/14/2018     1 A [Redacted] CT Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203080206 [Redacted] [Redacted] 5858947 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Final Closing Disclosure discloses a $150.00 Lender credit for tolerance.       03/13/2018   1 A [Redacted] CT Primary Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203080206 [Redacted] [Redacted] 5865921 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on [Redacted] disclosed a negative fee amount. [Redacted] Seller's CD discloses a -$125.00 Technology Fee credit to Seller at closing.           2 B [Redacted] CT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203080206 [Redacted] [Redacted] 5865922 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Seller's CD discloses a -$125.00 Technology Fee credit to Seller at closing.  Consumer CD discloses a $260.00 Title - Title Search fee paid by Seller at closing that is not disclosed on Seller's CD           2 B [Redacted] CT Primary Purchase   C B C B B B C A Non QM Non QM Yes
203080207 [Redacted] [Redacted] 5837812 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-15): Received
 03/15/2018     1 A [Redacted] CO Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203080207 [Redacted] [Redacted] 5837839 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CO Primary Purchase   C A A A B A C A Non QM Non QM No
203080207 [Redacted] [Redacted] 5844857 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Final Closing Disclosure discloses a $151.98 Lender credit for tolerance.       03/12/2018   1 A [Redacted] CO Primary Purchase Final CD evidences Cure C A A A B A C A Non QM Non QM Yes
203080208 [Redacted] [Redacted] 5847739 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A C A     C A     No
203080208 [Redacted] [Redacted] 5874583 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003   Fully executed Final Application was not provided.   Reviewer Comment (2018-03-23): Received application


Reviewer Comment (2018-03-14): Received 1003 dated 2/13/18. Note date was [Redacted]
 03/23/2018     1 A [Redacted] FL Investment Purchase   C A C A     C A     No
203080209 [Redacted] [Redacted] 5826482 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-03-15): Received [Redacted] Post Disaster Inspection dated 03/14/2018.
 03/15/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B B A C B C A Higher Priced QM Safe Harbor QM No
203080209 [Redacted] [Redacted] 5827067 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B B A C B C A Higher Priced QM Safe Harbor QM No
203080209 [Redacted] [Redacted] 5827411 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.   Reviewer Comment (2018-03-20): Received Amended Data tape
 03/20/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B B A C B C A Higher Priced QM Safe Harbor QM Yes
203080209 [Redacted] [Redacted] 5827412 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-14): Received
 03/14/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B B A C B C A Higher Priced QM Safe Harbor QM No
203080209 [Redacted] [Redacted] 5827413 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. [Redacted] TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. [Redacted]           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B A C B C A Higher Priced QM Safe Harbor QM Yes
203080209 [Redacted] [Redacted] 5827414 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] [Redacted]           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B A C B C A Higher Priced QM Safe Harbor QM Yes
203080209 [Redacted] [Redacted] 5932052 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received Amended Data Tape           2 B [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B B A C B C A Higher Priced QM Safe Harbor QM Yes
203080210 [Redacted] [Redacted] 5836651 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   .Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NV Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203080210 [Redacted] [Redacted] 5846115 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] NV Primary Refinance - Rate/Term No Defined Cure C B C B B B C A Non QM Non QM No
203080210 [Redacted] [Redacted] 5863548 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   - Missing Lender's review of NSF and overdrafts for acceptability. 4.164% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower has job stability for 38 years as [Redacted].		 Reviewer Comment (2018-03-14): Received Credit Risk Summary & Exception Approval. Assets: Supporting documentation missing. Compensating Factors: 1) DTI. 2) LTV. 3) Stable Employment History.
     03/14/2018 2 B [Redacted] NV Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203080211 [Redacted] [Redacted] 5855221 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A C A A A C A N/A N/A No
203080211 [Redacted] [Redacted] 5855270 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $10,000.00 is less than Cash From Borrower $123,852.09. Closing funds not sourced and seasoned for 60 days, 30 of which must be in a US account; File is missing 2 months bank statements for [Redacted] US account with funds used for closing and 12 months required reserves.  Foreign assets are not eligible as VOD did not source the funds for 60 days.   Reviewer Comment (2018-03-20): Received US Based Bank Statement with funds for closing/reserves
 03/20/2018     1 A [Redacted] FL Investment Purchase   C A C A A A C A N/A N/A No
203080211 [Redacted] [Redacted] 5880465 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 12.00. File is missing 2 months bank statements for [Redacted] US account with funds used for closing and 12 months required reserves.  Foreign assets are not eligible as VOD did not source the funds for 60 days.   Reviewer Comment (2018-03-20): Received US Based Bank Statement with funds for closing/reserves
 03/20/2018     1 A [Redacted] FL Investment Purchase   C A C A A A C A N/A N/A No
203080212 [Redacted] [Redacted] 5843395 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B A A B B C A Non QM Non QM No
203080212 [Redacted] [Redacted] 5843959 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [Redacted]             2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B A A B B C A Non QM Non QM No
203080212 [Redacted] [Redacted] 5843961 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-14): rec'd e-consent
 03/14/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B A A B B C A Non QM Non QM No
203080212 [Redacted] [Redacted] 5843962 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F, Line 04 (# months) field is blank.  $3,830.53 Property Taxes paid by Borrower before disclosed.           2 B [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203080214 [Redacted] [Redacted] 5839552 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203080215 [Redacted] [Redacted] 5826748 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203080215 [Redacted] [Redacted] 5827101 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Agreement is not evident.   Reviewer Comment (2018-03-14): Received
 03/14/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203080215 [Redacted] [Redacted] 5827194 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $18.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-14): Received Attestation letter
 03/14/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203080215 [Redacted] [Redacted] 5827263 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Cure for various 0% and 10% tolerance violations $18.00 was not provided.   Reviewer Comment (2018-03-14): Received Attestation letter
 03/14/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203080215 [Redacted] [Redacted] 5840576 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] The final CD total interest percentage is 161.835%.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203080215 [Redacted] [Redacted] 5840577 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] [Redacted]           2 B [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM Yes
203080216 [Redacted] [Redacted] 5865313 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
203080216 [Redacted] [Redacted] 5865806 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Loan designation bid tape Higher Priced QM   Reviewer Comment (2018-03-15): Updated input
 03/15/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203080216 [Redacted] [Redacted] 5865808 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Final CD closing date does not match date of consummation per the deed of trust the borrowers'  signed on [Redacted]  the document was notarized on [Redacted] and the CD was dated [Redacted]   Reviewer Comment (2018-03-15): Data was corrected on subsequent CDs (SFIG).
 03/15/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203080216 [Redacted] [Redacted] 5865811 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Final CD number of months for property taxes under prepaid not disclosed.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203080216 [Redacted] [Redacted] 5886674 [Redacted] [Redacted] 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. [Redacted]   Reviewer Comment (2018-03-15): Data was corrected on subsequent CDs (SFIG).
 03/15/2018     1 A [Redacted] CA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
203080217 [Redacted] [Redacted] 5858188 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203080217 [Redacted] [Redacted] 5858408 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-14): Received
 03/14/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203080217 [Redacted] [Redacted] 5858411 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Disclosed TIP 156.562% > 154.249% Calculated TIP           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203080217 [Redacted] [Redacted] 5860272 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $49,336.57 is less than Cash From Borrower $51,853.98. [Redacted]   Reviewer Comment (2018-03-14): Printout in file dated 2/1/18, p283 used balance on 1/31 without pending transactions
 03/14/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203080219 [Redacted] [Redacted] 5861256 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-03-14): Received
 03/14/2018     1 A [Redacted] FL Primary Purchase   C A C A C A C A Non QM Non QM No
203080219 [Redacted] [Redacted] 5870024 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C A C A C A C A Non QM Non QM No
203080219 [Redacted] [Redacted] 5870226 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] Final Closing Disclosure dated [Redacted] closing date less 3).  Missing Initial Closing Disclosure dated [Redacted] and received [Redacted] per Lender's Disclosure Tracking Summary.   Reviewer Comment (2018-03-15): Received CD dated 02/12/2018
 03/15/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C A C A C A C A Non QM Non QM No
203080220 [Redacted] [Redacted] 5830508 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MN Investment Refinance - Cash-out - Other   C A C A     C A     No
203080220 [Redacted] [Redacted] 5830520 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility The ID documentation (license, passport, Visa) does not show the borrower(s) at an address different than the subject and thus casts doubt on the business purpose of the loan.   Borrowers drivers license has subject property as residence.   Reviewer Comment (2018-03-15): Fraud Report and Bank statements show current as [Redacted]
 03/15/2018     1 A [Redacted] MN Investment Refinance - Cash-out - Other   C A C A     C A     No
203080220 [Redacted] [Redacted] 5880883 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Note Error: Prepayment penalty period is blank.   Note Addendum and Rider reflect n/a for term, final CD shows borrower has Prepayment penalty   Reviewer Comment (2018-04-26): Received revised PPP addendum
 04/26/2018     1 A [Redacted] MN Investment Refinance - Cash-out - Other   C A C A     C A     No
203080221 [Redacted] [Redacted] 5877027 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-03-20): Received
 03/20/2018     1 A [Redacted] IL Primary Purchase   C B C A C B A A Non QM Non QM No
203080221 [Redacted] [Redacted] 5877839 [Redacted] [Redacted] Compliance Compliance State Compliance [Redacted] IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. .IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.   Reviewer Comment (2018-04-09): Received


Reviewer Comment (2018-03-28): Rec'd a Housing Counseling Decision report.  Missing Certificate of Compliance or Exemption attached to mortgage for recording
 04/09/2018     1 A [Redacted] IL Primary Purchase   C B C A C B A A Non QM Non QM No
203080221 [Redacted] [Redacted] 5877848 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,951.00 exceeds tolerance of $2,306.00 plus 10% or $2,536.60.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $2,429.90 Lender credit for tolerance.       03/14/2018   1 A [Redacted] IL Primary Purchase Final CD evidences Cure C B C A C B A A Non QM Non QM Yes
203080221 [Redacted] [Redacted] 5877850 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent Only).  Fee Amount of $1,000.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75183) Final Closing Disclosure discloses a $2,429.90 Lender credit for tolerance.       03/14/2018   1 A [Redacted] IL Primary Purchase Final CD evidences Cure C B C A C B A A Non QM Non QM Yes
203080221 [Redacted] [Redacted] 5884360 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains a Demand Feature. [Redacted] Loan Disclosures, Demand Feature section of Final Closing Disclosure does disclose whether loan has or does not have a Demand Feature.   Reviewer Comment (2018-03-28): Rec’d LOE, corrected CD and evidence of emailing.
   03/28/2018   2 B [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Non QM Non QM Yes
203080221 [Redacted] [Redacted] 5884361 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. [Redacted] Note does not disclose a Negative Amortization feature.  Closing Disclosure discloses loan may have have potential for Negative Amortization.   Reviewer Comment (2018-03-28): Rec’d LOE, corrected CD and evidence of emailing.
   03/28/2018   2 B [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Non QM Non QM Yes
203080221 [Redacted] [Redacted] 5889564 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Within 10 days of closing   Reviewer Comment (2018-03-20): Received
 03/20/2018     1 A [Redacted] IL Primary Purchase   C B C A C B A A Non QM Non QM No
203080223 [Redacted] [Redacted] 5881522 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203080223 [Redacted] [Redacted] 5882995 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.   Reviewer Comment (2018-03-20): rec'd e-consent
 03/20/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203080223 [Redacted] [Redacted] 5883213 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Due to verified self employment income $10,371.77 monthly versus qualified $11,852.09 monthly income. 12.42 months reserves > 6 months guideline minimum - borrowers have verified reserves of $57,731.97 Reviewer Comment (2018-03-23): Received exception approval for DTI based on stability and reserves
     03/23/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203080223 [Redacted] [Redacted] 5883267 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-03-23): Updated Income and DTI and received exception approval
 03/23/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203080223 [Redacted] [Redacted] 5883270 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-03-23): Updated Income and DTI and received exception approval
 03/23/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203080223 [Redacted] [Redacted] 5886900 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. Condo (High Rise) Credit Risk Summary & Exception Approval in file, page 311. Property. Condo: Single entity owns > 10% of total (Developer owns 11%). Compensating Factors: 1) Reserves. 2) Residual Income. 12.42 months reserves > 6 months guideline minimum - borrowers have verified reserves of $57,731.97

Borrower on this Full documentation loan has a disposable income of $5,004.21		 Reviewer Comment (2018-03-15): Compensating Factors: 1) Reserves. 2) Residual Income.
     03/15/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203080223 [Redacted] [Redacted] 5887539 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 51.50095% exceeds Guideline total debt ratio of 45.00000%. Due to verified self employment income $10,371.77 monthly versus qualified $11,852.09 monthly income. 12.42 months reserves > 6 months guideline minimum - borrowers have verified reserves of $57,731.97 Reviewer Comment (2018-03-23): Exception approval for DTI
     03/23/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203080225 [Redacted] [Redacted] 5864247 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] SC Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203080225 [Redacted] [Redacted] 5864262 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.24868% exceeds Guideline total debt ratio of 45.00000%. 47.25% > 45% [Redacted] Statement program (January 8, 2018 matrix).  Lender's DTI 48.16% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Low 26.01% front DTI, 25 months reserves. Guideline variance approved by lender at time of origination.  26.009%front DTI < 40% maximum per guidelines.

25.56 months reserves > 6 months guideline minimum.		 Reviewer Comment (2018-03-14): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Low 26.01% front DTI, 25 months reserves.
     03/14/2018 2 B [Redacted] SC Primary Purchase   C B C B B B C A Non QM Non QM No
203080225 [Redacted] [Redacted] 5864334 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] SC Primary Purchase   C B C B B B C A Non QM Non QM No
203080225 [Redacted] [Redacted] 5877331 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Seller CD discloses a $45.30 higher amount RE Commission paid by Seller at closing           2 B [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203080226 [Redacted] [Redacted] 5861157 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-03-14): received
 03/14/2018     1 A [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203080226 [Redacted] [Redacted] 5864214 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of [Redacted] is less than Guideline minimum loan amount of $150,000.00. [Redacted] < $150,000.00 [Redacted] Statement program (January 2018 matrix).  Exception not acknowledged by Lender. 38% DTI on this (Documentation Type) documentation loan < 45% guideline max - Reviewer Comment (2018-03-14): Received Credit Risk Summary & Exception approval 3/14/18
     03/14/2018 2 B [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203080226 [Redacted] [Redacted] 5864223 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203083773 [Redacted] [Redacted] 5834717 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. [Redacted] Valuation received date [Redacted] valuation report date           2 B [Redacted] CO Primary Refinance - Cash-out - Other   C B C A C B A A Non QM Non QM No
203083773 [Redacted] [Redacted] 5834718 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. [Redacted] Valuation received date [Redacted] valuation report date           2 B [Redacted] CO Primary Refinance - Cash-out - Other   C B C A C B A A Non QM Non QM No
203083773 [Redacted] [Redacted] 5834719 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.     Reviewer Comment (2018-03-14): Received
 03/14/2018     1 A [Redacted] CO Primary Refinance - Cash-out - Other   C B C A C B A A Non QM Non QM No
203083773 [Redacted] [Redacted] 5842508 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing  most annual property tax bill for [Redacted].   Loan file documents P&I and annual hazard insurance premium.   Reviewer Comment (2018-03-13): Received tax bill, updated input and DTI
 03/13/2018     1 A [Redacted] CO Primary Refinance - Cash-out - Other   C B C A C B A A Non QM Non QM No
203083773 [Redacted] [Redacted] 5843050 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on [Redacted] reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. [Redacted] $20.00 Flood Certificate Fee, $150.00 HOA Cert Fee and $75.00 Tax Service Fee paid to Lender in Services Borrower Did Not Shop For section B of final Closing Disclosure           2 B [Redacted] CO Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C A C B A A Non QM Non QM Yes
203083773 [Redacted] [Redacted] 5843185 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Finance Charge that does not match the actual finance charge for the loan. [Redacted] [Redacted]   Reviewer Comment (2018-05-09): LOE, proof of delivery, revised CD, letter of explanation, refund check and evidence of re-opening of rescission have been provided.


Reviewer Comment (2018-04-26): Rec'd LOE, proof of delivery, copy of $150 refund check and corrected CD.  Missing evidence rescission re-opened.
   05/09/2018   2 B [Redacted] CO Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Non QM Non QM Yes
203085750 [Redacted] [Redacted] 5923713 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not in file.   Reviewer Comment (2018-03-24): Received
 03/24/2018     1 A [Redacted] TN Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B A A A B A A A Non QM Non QM No
203085751 [Redacted] [Redacted] 5916418 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203085751 [Redacted] [Redacted] 5916573 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.47902% exceeds Guideline total debt ratio of 45.00000%. 47.69% > 45% Portfolio Select Bank Statement program (January 2018 matrix).  Lender's 47.52% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: $9,737.85 residual income and 20 years stable employment. Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: $9,737.85 residual income and 20 years stable employment. Reviewer Comment (2018-03-19): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: $9,737.85 residual income and 20 years stable employment.
     03/19/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203085751 [Redacted] [Redacted] 5917591 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [Redacted] [Redacted]           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203085751 [Redacted] [Redacted] 5917601 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.   Reviewer Comment (2018-03-22): Received
 03/22/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085751 [Redacted] [Redacted] 5917605 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.   Reviewer Comment (2018-03-22): Received
 03/22/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085751 [Redacted] [Redacted] 5920735 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [Redacted]             2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203085752 [Redacted] [Redacted] 5928318 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.17781% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 255, DTI > maximum allowed. Compensating Factors: 1)  Credit score  693   2) Credit history 3) Reserves 86.50 months PITIA Credit score, credit history, reserves. Reviewer Comment (2018-03-21): Exception in file for DTI > maximum allowed.
     03/21/2018 2 B [Redacted] PA Primary Purchase   C B C B B B C A Non QM Non QM No
203085752 [Redacted] [Redacted] 5928420 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] PA Primary Purchase   C B C B B B C A Non QM Non QM No
203085752 [Redacted] [Redacted] 5929044 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $18,993.89, while closing CD seller's fees total $18,825.00.           2 B [Redacted] PA Primary Purchase   C B C B B B C A Non QM Non QM Yes
203085752 [Redacted] [Redacted] 5940861 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Document and explain weekly deposits from "[Redacted]".  Per section 18.5 of guidelines, payroll deposits into accounts from other employment must be reflected as direct deposits and may not be included in the bank statement average.  DTI subject to change.   Reviewer Comment (2018-04-23): 4/23/18 per email from borrower this is his payroll company and he pays himself


Buyer Comment (2018-04-11): 4/11 There is no other employment – it is the payroll company that he uses. He pays himself a salary
 04/23/2018     1 A [Redacted] PA Primary Purchase   C B C B B B C A Non QM Non QM No
203085753 [Redacted] [Redacted] 5918843 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 02/27/2018, Transaction Policy Period (Effective Date) begins [Redacted]  Closing and Loan Disbursement Date.   Reviewer Comment (2018-03-27): Rec'd master policy.


Reviewer Comment (2018-03-22): Received unit owners coverage in the amount of [Redacted] Please provide Condominium Master policy.
 03/27/2018     1 A [Redacted] GA Primary Purchase   C B C B B B A A Non QM Non QM No
203085753 [Redacted] [Redacted] 5919149 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-27): rec'd e-consent
 03/27/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B B B A A Non QM Non QM No
203085753 [Redacted] [Redacted] 5919264 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on [Redacted] reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. [Redacted] Final Closing Disclosure, Section B discloses $10.00 Georgia Residential Mortgage Fee paid to [Redacted] (Lender)           2 B [Redacted] GA Primary Purchase Good Faith Redisclosure C B C B B B A A Non QM Non QM Yes
203085753 [Redacted] [Redacted] 5919317 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted]  Seller's CD discloses a $1,265.26 Listing Fee paid by Seller at closing that is not disclosed on Consumer's CD           2 B [Redacted] GA Primary Purchase   C B C B B B A A Non QM Non QM Yes
203085753 [Redacted] [Redacted] 5925963 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 676 is less than Guideline representative FICO score of 680. 676 per Lender's credit report < 680 for 6.875% rate / 80% LTV under [Redacted] Statement program (January 2018 matrix).   1008 Transmittal indicates Broker's 682 score listed on Broker Lock Confirmation used.  Broker's credit report not in file.  No compensating factors noted. 36.1% DTI on this Alt documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $19,000

35 months reserves > 6 months guideline minimum		 Reviewer Comment (2018-03-21): Received Credit Risk Summary & Exception approval 3/21/18 with comp factors


Reviewer Comment (2018-03-20): 1008 Transmittal indicates Broker's 682 score listed on Broker Lock Confirmation used. Broker's credit report not in file. No compensating factors noted.
     03/21/2018 2 B [Redacted] GA Primary Purchase   C B C B B B A A Non QM Non QM No
203085754 [Redacted] [Redacted] 5921733 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] OH Primary Purchase   C B A A B B C A Non QM Non QM No
203085754 [Redacted] [Redacted] 5922904 [Redacted] [Redacted] 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.             2 B [Redacted] OH Primary Purchase   C B A A B B C A Non QM Non QM No
203085754 [Redacted] [Redacted] 5922905 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.   Reviewer Comment (2018-03-26): rec'd e-consent
 03/26/2018     1 A [Redacted] OH Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203085754 [Redacted] [Redacted] 5930212 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $10,630.50 while closing CD seller's fees total $10,805.50. Notary fee left off Seller CD.           2 B [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203085754 [Redacted] [Redacted] 5937300 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. not found in loan file   Reviewer Comment (2018-03-26): rec'd SSPL
 03/26/2018     1 A [Redacted] OH Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203085755 [Redacted] [Redacted] 5923339 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] LA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203085755 [Redacted] [Redacted] 5926211 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/389841) $1.00 difference on monthly Flood Insurance escrow ($1,680/12=$140).   Reviewer Comment (2018-03-26): Rec'd RTC and proof of delivery.


Reviewer Comment (2018-03-22): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/26/2018   2 B [Redacted] LA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085755 [Redacted] [Redacted] 5926212 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/389842) $1.00 difference on monthly Flood Insurance escrow ($1,680/12=$140).   Reviewer Comment (2018-03-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-03-22): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/26/2018   2 B [Redacted] LA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085755 [Redacted] [Redacted] 5926213 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]    disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/389843) $1.00 difference on monthly Flood Insurance escrow ($1,680/12=$140).   Reviewer Comment (2018-03-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-03-22): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/26/2018   2 B [Redacted] LA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085755 [Redacted] [Redacted] 5926214 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/389844) $1.00 difference on monthly Flood Insurance escrow ($1,680/12=$140).   Reviewer Comment (2018-03-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-03-22): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/26/2018   2 B [Redacted] LA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085755 [Redacted] [Redacted] 5926215 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/389841) $1.00 difference on monthly Flood Insurance escrow ($1,680/12=$140).   Reviewer Comment (2018-03-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-03-22): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/26/2018   2 B [Redacted] LA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085755 [Redacted] [Redacted] 5926242 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Unable to determine what Index was used by the Lender to prepare the Closing Disclosure.           2 B [Redacted] LA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203085755 [Redacted] [Redacted] 5928361 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 80.00000%. Credit Risk Summary & Exception Approval in file, page 238. LTV - Exceeds the maximum allowed. Compensating Factors: 1) Residual Income. 2) Stable Employment History. Borrower has job stability for 28 years.

Guideline variance approved by lender at time of origination residual income $4,183.61 > $1,500 minimum required.		 Reviewer Comment (2018-03-20): Credit Risk Summary & Exception approval p238
     03/20/2018 2 B [Redacted] LA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203085755 [Redacted] [Redacted] 5935449 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. document not found in file   Reviewer Comment (2018-04-04): rec'd e-consent
 04/04/2018     1 A [Redacted] LA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B C A Non QM Non QM No
203085756 [Redacted] [Redacted] 5932217 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203085756 [Redacted] [Redacted] 5937002 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] The seller's CD reflects $26,680.25 whereas the borrower's CD reflects $26,979.22.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203085756 [Redacted] [Redacted] 5940193 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.             2 B [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203085757 [Redacted] [Redacted] 5921148 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NV Primary Purchase   C B C B B B C A Non QM Non QM No
203085757 [Redacted] [Redacted] 5921371 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not provided   Reviewer Comment (2018-03-22): Received
 03/22/2018     1 A [Redacted] NV Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085757 [Redacted] [Redacted] 5921409 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $4,367.63 while closing CD seller's fees total $4,275.63. Difference is $92 in HOA dues.           2 B [Redacted] NV Primary Purchase   C B C B B B C A Non QM Non QM Yes
203085757 [Redacted] [Redacted] 5922882 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Issue:  Insufficient tradelines per credit guidelines   Credit Risk Summary & Exception Approval in file, page 227, Insufficient tradelines
 Compensating Factors: 1) DTI       2) LTV  [Redacted]% down payment.		 31.367% DTI on this Full documentation loan < 45% guideline max Reviewer Comment (2018-03-20): Compensating Factors: 1) DTI 2) LTV 25% down payment.
     03/20/2018 2 B [Redacted] NV Primary Purchase   C B C B B B C A Non QM Non QM No
203085757 [Redacted] [Redacted] 5923843 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. [Redacted] Note is assumable and Closing Disclosure reflects loan is not assumable; acknowledgement that loan assumption is not permitted was not provided.           2 B [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203085758 [Redacted] [Redacted] 5922640 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MD Investment Refinance - Cash-out - Other   C A A A     C A     No
203085759 [Redacted] [Redacted] 5935615 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203085759 [Redacted] [Redacted] 5938831 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Unable to locate evidence of the Borrower's consent to receive electronic disclosure.   Reviewer Comment (2018-03-26): Rec'd e-consent
 03/26/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085759 [Redacted] [Redacted] 5938833 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Unable to locate evidence the Borrower was provided Your Home Loan Toolkit disclosure.   Reviewer Comment (2018-03-26): Rec'd Toolkit
 03/26/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085759 [Redacted] [Redacted] 5938851 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] The seller's CD reflects $27,059.55 whereas the borrower's CD reflects $25,466.40.           2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM Yes
203085759 [Redacted] [Redacted] 5945393 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Missing a written list of service providers.   Reviewer Comment (2018-03-26): Rec'd SSPL.
 03/26/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085759 [Redacted] [Redacted] 5948254 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.14 is less than Guideline PITIA months reserves of 3.00.   DTI Reviewer Comment (2018-03-21): Exception in file for reserve requirement not met.
     03/21/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203085760 [Redacted] [Redacted] 5931722 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203085760 [Redacted] [Redacted] 5931724 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date 12/27/2017, Note Date [Redacted] Master Condo Insurance Policy expired 12/27/2017.   Reviewer Comment (2018-03-23): Received update master policy
 03/23/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203085760 [Redacted] [Redacted] 5931899 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Application dated [Redacted] and disclosure was sent [Redacted]   Reviewer Comment (2018-03-21): Lenders offices were closed in observance of Veteran’s Day
 03/21/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Good faith redisclosure C B C B C A C A Non QM Non QM Yes
203085760 [Redacted] [Redacted] 5931900 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Application dated [Redacted] and disclosure was sent [Redacted]   Reviewer Comment (2018-03-21): Lenders offices were closed in observance of Veteran’s Day
 03/21/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Good faith redisclosure C B C B C A C A Non QM Non QM Yes
203085760 [Redacted] [Redacted] 5931901 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [Redacted]   Reviewer Comment (2018-03-21): Lenders offices were closed in observance of Veteran’s Day
 03/21/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203085760 [Redacted] [Redacted] 5931902 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Appraisal Disclosure - HPML Timing HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [Redacted]   Reviewer Comment (2018-03-21): Lenders offices were closed in observance of Veteran’s Day
 03/21/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Good faith redisclosure C B C B C A C A Non QM Non QM Yes
203085760 [Redacted] [Redacted] 5931903 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. [Redacted]   Reviewer Comment (2018-03-21): Lenders offices were closed in observance of Veteran’s Day
 03/21/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B C A C A Non QM Non QM No
203085760 [Redacted] [Redacted] 5932035 [Redacted] [Redacted] Compliance Compliance Federal Compliance Federal HPML 2014 Non Compliant Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.63410% or Final Disclosure APR of 7.66700% is in excess of allowable threshold of APOR 3.93% + 1.5%, or 5.43000%.  Non-Compliant Higher Priced Mortgage Loan.     Reviewer Comment (2018-03-29): updated due to closing on Veteran's day


Reviewer Comment (2018-03-23): Nothing received to clear this.
 03/29/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203085760 [Redacted] [Redacted] 5932040 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. [Redacted] [Redacted]   Reviewer Comment (2018-03-21): Lenders offices were closed in observance of Veteran’s Day
 03/21/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B C A C A Non QM Non QM No
203085760 [Redacted] [Redacted] 5948529 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Award Letter / Continuance Letter, Third Party Verification Missing Award letter for Social Security income (Guideline 6.14). Missing Verification of the existence of the business for K-1 income (Guideline 6.13.2). Borrower on this Full documentation loan has a disposable income of $2,949.81

87.24552% Housing Payment Shock		 Reviewer Comment (2018-03-23): Received Credit Risk Summary & Exception Approval. Alternative income calculation used - Seen on bank statements and tax returns ok to proceed. Compensating Factors: 1) Payment Shock. 2) Residual Income.
     03/23/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203085761 [Redacted] [Redacted] 5935546 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MI Primary Purchase   C B A A C B C A Non QM Non QM No
203085761 [Redacted] [Redacted] 5935867 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $6,995.25, while closing CD seller's fees total $21,218.72.           2 B [Redacted] MI Primary Purchase   C B A A C B C A Non QM Non QM Yes
203085761 [Redacted] [Redacted] 5935906 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not reflect a Lender credit for $7.00 tolerance.   Reviewer Comment (2018-03-22): Received Attestation letter
 03/22/2018     1 A [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203085761 [Redacted] [Redacted] 5935914 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-26): rec'd e-consent
 03/26/2018     1 A [Redacted] MI Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203085761 [Redacted] [Redacted] 5949294 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $7.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $7.00 Title - Recording Fee not disclosed on Loan Estimate dated [Redacted] but disclosed on Final Closing Disclosure. Valid Change of Circumstance not provided. Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $7.00 tolerance.   Reviewer Comment (2018-03-22): Received Attestation letter
 03/22/2018     1 A [Redacted] MI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203085762 [Redacted] [Redacted] 5910836 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203085762 [Redacted] [Redacted] 5910856 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-22): Received
 03/22/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B A A C B C A Non QM Non QM No
203085762 [Redacted] [Redacted] 5910857 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F, Line 04 (# months) field is blank.  $1,547.88 Property Taxes paid by Borrower at closing disclosed.           2 B [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203085762 [Redacted] [Redacted] 5910859 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-03-22): Received Change of Circumstance document
 03/22/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203085762 [Redacted] [Redacted] 5910860 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,102.85 exceeds tolerance of $688.00.  Insufficient or no cure was provided to the borrower. (8304) $688.00 Transfer Taxes disclosed on Loan Estimated dated [Redacted] but disclosed as $1,102.85 on Closing Disclosure dated [Redacted]    Valid Change of Circumstance not in file.  Final Closing Disclosure does not reflect a Lender credit for tolerance.   Reviewer Comment (2018-03-22): Received Change of Circumstance document
 03/22/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203085763 [Redacted] [Redacted] 5925698 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing e-consent   Reviewer Comment (2018-03-22): Received
 03/22/2018     1 A [Redacted] PA Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203085763 [Redacted] [Redacted] 5936241 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] PA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203085763 [Redacted] [Redacted] 5941591 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   The final 1003 does not indicate the borrower is self-employed.   Reviewer Comment (2018-03-22): Received corrected page 1 of 1003.
 03/22/2018     1 A [Redacted] PA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203085763 [Redacted] [Redacted] 5942658 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.           2 B [Redacted] PA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C B B B C A Non QM Non QM Yes
203085763 [Redacted] [Redacted] 5942770 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.70 is less than Guideline PITIA months reserves of 6.00. 6 months reserves required for loan amounts in excess of $453,100. Borrower has employment stability for 21 years as [Redacted]. Reviewer Comment (2018-03-22): Received Credit Risk Summary & Exception Approval. Assets - Reserves short 3.7 less than 6. Compensating Factors: 1) LTV. 2) Stable Employment History.
     03/22/2018 2 B [Redacted] PA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203085763 [Redacted] [Redacted] 5942779 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of [Redacted] is greater than Guideline total cash-out of [Redacted]   Borrower has employment stability for 21 years as [Redacted]. Reviewer Comment (2018-03-22): Received Credit Risk Summary & Exception Approval. Assets - Cash out exceeds max of 100K. Compensating Factors: 1) LTV. 2) Stable Employment History.
     03/22/2018 2 B [Redacted] PA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203085764 [Redacted] [Redacted] 5893719 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-04): Rec'd e-consent
 04/04/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203085764 [Redacted] [Redacted] 5893720 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. .   Reviewer Comment (2018-04-04): Rec'd toolkit
 04/04/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203085764 [Redacted] [Redacted] 5893721 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. .   Reviewer Comment (2018-04-04): Rec'd SSPL
 04/04/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203085764 [Redacted] [Redacted] 5895565 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203085764 [Redacted] [Redacted] 5895637 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   308.44588% > 250% First Time Home Buyer under Portfolio Select 12 Months Personal Bank Statement program (January 2018 matrix).  Lender's 308.1% > 250%. Exception not acknowledged by Lender. 46.7 months reserves > 12 months guideline minimum - borrowers have verified reserves of $162,248.29

$12,546.52 Residual Income on a Bank Statement loan		 Reviewer Comment (2018-03-19): Received Credit Risk Summary & Exception Approval. Income: Lender's 308.1% > 250%. Compensating Factors: 1) Reserves. 2) Residual Income.
     03/19/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203085765 [Redacted] [Redacted] 5884681 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203085765 [Redacted] [Redacted] 5892520 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $2,286.40   Reviewer Comment (2018-03-20): Received SSPL and update provider paid to
 03/20/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203085765 [Redacted] [Redacted] 5892523 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.   Reviewer Comment (2018-03-20): Received SSPL and update provider paid to
 03/20/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203085765 [Redacted] [Redacted] 5892524 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $7,237.50 exceeds tolerance of $4,501.00 plus 10% or $4,951.10.  Insufficient or no cure was provided to the borrower. (0) $2,286.40 cure needed   Reviewer Comment (2018-03-20): Received SSPL and update provider paid to
 03/20/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203085765 [Redacted] [Redacted] 5898833 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.84 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval in file, page 188. Reserves: Requirements not met. Compensating Factors: 1) Residual Income. 2) Stable Employment History. Borrower has job stability for 20 years as [redacted].

$18,476.72 Residual Income on a Bank Statement loan		 Reviewer Comment (2018-03-16): Compensating Factors: 1) Residual Income. 2) Stable Employment History.
     03/16/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203085765 [Redacted] [Redacted] 5898876 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing econsent disclosure.           2 B [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203085765 [Redacted] [Redacted] 5898877 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] [Redacted]           2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM Yes
203085765 [Redacted] [Redacted] 5905272 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted] exceeds Guideline loan to value percentage of 70.00000%. Credit score and interest rate chosen show maximum of [Redacted]% LTV on Matrix.   Reviewer Comment (2018-03-19): Credit score allows for LTV up to [Redacted]
 03/19/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203085766 [Redacted] [Redacted] 5917708 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AZ Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203085766 [Redacted] [Redacted] 5917928 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-22): Esign consent agreements provided on 03/20/2018.
 03/22/2018     1 A [Redacted] AZ Primary Refinance - Rate/Term No Defined Cure C B C A B B C A Non QM Non QM No
203085766 [Redacted] [Redacted] 5917929 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F, Line 04 (# months) field is blank.  $1,135.79 Property Taxes paid by Borrower at closing disclosed.           2 B [Redacted] AZ Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203085766 [Redacted] [Redacted] 5929147 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: [Redacted]     Reviewer Comment (2018-03-22): Bank statement income worksheet provided on 03/20/2018.
 03/22/2018     1 A [Redacted] AZ Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203085767 [Redacted] [Redacted] 5942052 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NV Primary Purchase   C B C B C B C A Non QM Non QM No
203085767 [Redacted] [Redacted] 5944810 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18
 04/05/2018     1 A [Redacted] NV Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203085767 [Redacted] [Redacted] 5944812 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing e-signature disclosure.   Reviewer Comment (2018-03-26): Rec'd e-consent
 03/26/2018     1 A [Redacted] NV Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203085767 [Redacted] [Redacted] 5944813 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Fees TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on [Redacted] disclosed a negative fee amount. [Redacted] Seller Fee -$678 Title - Owner's Title Insurance in section H of final closing disclosure.           2 B [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203085767 [Redacted] [Redacted] 5946718 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 58.57625% exceeds Guideline total debt ratio of 45.00000%. DTI now at 49.9% 33 months reserves >  6 mos months guideline minimum

Borrower on this Bank Statement documentation loan has a disposable income of $9400		 Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18
     04/05/2018 2 B [Redacted] NV Primary Purchase   C B C B C B C A Non QM Non QM No
203085767 [Redacted] [Redacted] 5946799 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18
 04/05/2018     1 A [Redacted] NV Primary Purchase   C B C B C B C A Non QM Non QM No
203085767 [Redacted] [Redacted] 5950398 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $7.00   Reviewer Comment (2018-03-26): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/26/2018     1 A [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203085767 [Redacted] [Redacted] 5950399 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $7.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-26): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 03/26/2018     1 A [Redacted] NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203085768 [Redacted] [Redacted] 5883285 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203085768 [Redacted] [Redacted] 5883294 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Hazard Insurance Policy expires within 90 days of the Note Date. Hazard Insurance Policy Expiration Date [Redacted] Note Date [Redacted] Updated Hazard policy not provided reflecting new policy with current effective dates.  Policy in file expires 03/23/2018.   Reviewer Comment (2018-03-22): Received insurance dated 03/23/2018 to 03/23/2019
 03/22/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203085768 [Redacted] [Redacted] 5883427 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Consent Agreement is not evident.   Reviewer Comment (2018-03-20): Received
 03/20/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203085768 [Redacted] [Redacted] 5883664 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [Redacted] Final Closing Disclosure reflects a prepaid amount POC for policy that expires on 03/23/2018.  No premium collected on new policy.   Reviewer Comment (2018-03-22): New insurance document provide doesn't indicate that premium was paid. Different premimum amount than shown as POC on CD.
       2 B [Redacted] GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203085768 [Redacted] [Redacted] 5890861 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted] exceeds Guideline loan to value percentage of 80.00000%. LTV is > [Redacted] max for Cash-out refinance with bank statement documentation.  Lender exception approval was not provided. Borrower on this Bank Statement documentation loan has a disposable income of $10,207.81

57.99125% Payment Shock		 Reviewer Comment (2018-03-20): Received Credit Risk Summary & Exception Approval. LTV > thank Max allowed by program. Compensating Factors: 1) Payment Shock. 2) Residual Income.
     03/20/2018 2 B [Redacted] GA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203085768 [Redacted] [Redacted] 5893632 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/386267) HOI policy premium on policy dated 02/21/2018 reflects an amount of $1090.32.  This amount does not match the monthly amount escrowed at closing.   Reviewer Comment (2018-03-20): Rec'd LOE, corrected CD and evidence of emailing.
   03/20/2018   2 B [Redacted] GA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085768 [Redacted] [Redacted] 5893634 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/386268) HOI policy premium on policy dated 02/21/2018 reflects an amount of $1090.32.  This amount does not match the monthly amount escrowed at closing.   Reviewer Comment (2018-03-22): Received evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-03-20): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/22/2018   2 B [Redacted] GA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085768 [Redacted] [Redacted] 5893635 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/386269) HOI policy premium on policy dated 02/21/2018 reflects an amount of $1090.32.  This amount does not match the monthly amount escrowed at closing.   Reviewer Comment (2018-03-22): Received evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-03-20): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/22/2018   2 B [Redacted] GA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085768 [Redacted] [Redacted] 5893636 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/386270) HOI policy premium on policy dated 02/21/2018 reflects an amount of $1090.32.  This amount does not match the monthly amount escrowed at closing.   Reviewer Comment (2018-03-22): Received evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-03-20): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/22/2018   2 B [Redacted] GA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085768 [Redacted] [Redacted] 5893637 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/386267) HOI policy premium on policy dated 02/21/2018 reflects an amount of $1090.32.  This amount does not match the monthly amount escrowed at closing.   Reviewer Comment (2018-03-22): Received evidence rescission re-opened and proof of delivery.


Reviewer Comment (2018-03-20): Rec'd LOE, corrected CD and evidence of emailing.  Missing evidence rescission re-opened and proof of delivery.
   03/22/2018   2 B [Redacted] GA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203085770 [Redacted] [Redacted] 5941818 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document was not provided in the file.   Reviewer Comment (2018-03-26): Received
 03/26/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Home Improvement No Defined Cure C B C B C A C A Non QM Non QM No
203085770 [Redacted] [Redacted] 5941850 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-03-26): Received Post Disaster Inspection, no damages
     03/26/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Home Improvement   C B C B C A C A Non QM Non QM No
203085770 [Redacted] [Redacted] 5941852 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Home Improvement   C B C B C A C A Non QM Non QM No
203085770 [Redacted] [Redacted] 5951087 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 55.78003% exceeds Guideline total debt ratio of 45.00000%. Unable to use borrower's Schedule C income, < 2 years self employed.  Unable to determine source of rental income as 2016 tax returns support a loss.   Reviewer Comment (2018-03-26): 1 YR program
 03/26/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Home Improvement   C B C B C A C A Non QM Non QM No
203085770 [Redacted] [Redacted] 5951090 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 41.41826% exceeds Guideline housing ratio of 40.00000%. Unable to use borrower's Schedule C income, < 2 years self employed.  Unable to determine source of rental income as 2016 tax returns support a loss.   Reviewer Comment (2018-03-26): 1 YR program
 03/26/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Home Improvement   C B C B C A C A Non QM Non QM No
203085770 [Redacted] [Redacted] 5951164 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-03-26): 1 YR program Allowable use of Sch C
 03/26/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Home Improvement Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203085770 [Redacted] [Redacted] 5951165 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-03-26): 1 YR program Allowable use of Sch C
 03/26/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Home Improvement   C B C B C A C A Non QM Non QM No
203085771 [Redacted] [Redacted] 5952140 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   312.55051% > 250% Portfolio Select program.  Lender's 312.50% > 250%.  Exception not acknowledged by Lender. Borrower on this Full documentation loan has a disposable income of $6,081.70 Reviewer Comment (2018-03-26): Received Credit Risk Summary & Exception Approval. Payment Shock exceeds credit guidelines. Compensating Factor: Residual Income.
     03/26/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203085771 [Redacted] [Redacted] 5952265 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [Redacted] Disclosure reflects $1,844.00 homeowner's insurance premium.  Should be $3,730.92 @ $310.91 per month           2 B [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203085771 [Redacted] [Redacted] 5953409 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-26): Received
 03/26/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B B B A A Non QM Non QM No
203085771 [Redacted] [Redacted] 5959177 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing annual property tax, hazard insurance and HOA for [Redacted] property to support max $363.42 tax/ins/misc per 1003   Reviewer Comment (2018-04-09): received taxes and insurance
 04/09/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203085771 [Redacted] [Redacted] 5962334 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: [Redacted] [Redacted]   Reviewer Comment (2018-04-05): received
 04/05/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203085771 [Redacted] [Redacted] 5962376 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: [Redacted] [Redacted]   Reviewer Comment (2018-04-05): received


Reviewer Comment (2018-03-26): Received what appears to be a screenshot, need website data and date of search info on bottom of page.
 04/05/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203085772 [Redacted] [Redacted] 5951814 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-24): Received
 03/24/2018     1 A [Redacted] CA Primary Purchase No Defined Cure D B A A D B C A Non QM Non QM No
203085772 [Redacted] [Redacted] 5951856 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses a $35.00 Title - Wire Fee not paid by Seller at closing not disclosed on Consumer's CD   Reviewer Comment (2018-04-26): Rec'd LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-03-24): Corrected CD not provided, only received email cover letter dated 03/22/18.
   04/26/2018   2 B [Redacted] CA Primary Purchase   D B A A D B C A Non QM Non QM Yes
203085772 [Redacted] [Redacted] 5951877 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] [Redacted]   Reviewer Comment (2018-04-23): Updated per receipt, attestation letter and CHD-6274


Reviewer Comment (2018-03-24): Sent to Compliance review.
 04/23/2018     1 A [Redacted] CA Primary Purchase No Defined Cure D B A A D B C A Non QM Non QM No
203085772 [Redacted] [Redacted] 5951882 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID - the file contains an illegible TRID disclosure. Testing is incomplete   Missing Closing Disclosures dated [Redacted] referenced on Lender's Disclosure Tracking Tool in file.   Loan file contained only Closing Disclosure dated [Redacted] and Final Closing Disclosure dated [Redacted]   Reviewer Comment (2018-04-23): Received and updated per CHD-6274
 04/23/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B A A D B C A Non QM Non QM Yes
203085772 [Redacted] [Redacted] 5951900 [Redacted] [Redacted] Property Property - Appraisal Appraisal Data Integrity Appraiser's license or certification was not active at the time of the appraisal. [Redacted] [Redacted] (Appraiser) licensed expired 6/14/2011 prior to 1/12/2018 1004 report date   Reviewer Comment (2018-03-24): Received a copy of appraisers license effective 06/15/2017-06/14/2019.
 03/24/2018     1 A [Redacted] CA Primary Purchase   D B A A D B C A Non QM Non QM No
203085773 [Redacted] [Redacted] 5944121 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NV Primary Purchase   C B C B A A C A Non QM Non QM No
203085773 [Redacted] [Redacted] 5947504 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: [Redacted] Missing Citizenship source documentation.           2 B [Redacted] NV Primary Purchase   C B C B A A C A Non QM Non QM No
203085773 [Redacted] [Redacted] 5950512 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $147.00 Lender credit for $115.00 and $32.00 tolerances.       03/21/2018   1 A [Redacted] NV Primary Purchase Final CD evidences Cure C B C B A A C A Non QM Non QM Yes
203085773 [Redacted] [Redacted] 5950513 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $715.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $147.00 Lender credit for $32.00 and $115.00 tolerances.       03/21/2018   1 A [Redacted] NV Primary Purchase Final CD evidences Cure C B C B A A C A Non QM Non QM Yes
203085773 [Redacted] [Redacted] 5952574 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.14340% exceeds Guideline total debt ratio of 45.00000%. 45.14% > 45% Portfolio Select Bank Statement program.  Lender's 47.55% > 45%.  Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: Payment Shock 61.5% and $7,800.98 Residual Income Guideline variance approved by lender at time of origination Reviewer Comment (2018-03-22): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: Payment Shock 61.5% and $7,800.98 Residual Income
     03/22/2018 2 B [Redacted] NV Primary Purchase   C B C B A A C A Non QM Non QM No
203085774 [Redacted] [Redacted] 5877805 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C A A A B A C A Non QM Non QM No
203085774 [Redacted] [Redacted] 5878566 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign Disclosure missing   Reviewer Comment (2018-03-24): Received
 03/24/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C A A A B A C A Non QM Non QM No
203085775 [Redacted] [Redacted] 5939232 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203085775 [Redacted] [Redacted] 5939390 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.             2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203085775 [Redacted] [Redacted] 5939392 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign consent agreement not provided.   Reviewer Comment (2018-03-22): Received
 03/22/2018     1 A [Redacted] OH Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085775 [Redacted] [Redacted] 5939395 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] The seller's CD reflects $44,360.87 whereas the borrower's CD reflects $49,280.87.           2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM Yes
203085775 [Redacted] [Redacted] 5945543 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 85.00000%.   31.915% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $8,039.41		 Reviewer Comment (2018-03-22): Received Credit Risk Summary & Exception Approval. LTV of [Redacted] exceeds max of 85%. Compensating Factors: 1) DTI. 2) Payment Shock. 3) Residual Income.
     03/22/2018 2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203085775 [Redacted] [Redacted] 5945625 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Provide 24 mos. business bank statements required per program guidelines.  [Redacted] is not a bank but an online payments system. 31.915% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $8,039.41		 Reviewer Comment (2018-04-27): Client elects to waive requirement for bank statements in lieu of Paypal transaction history to document income.
     04/27/2018 2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203085776 [Redacted] [Redacted] 5933108 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203085776 [Redacted] [Redacted] 5933220 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.44 is less than Guideline PITIA months reserves of 6.00. PITIA reserves is less than 6 months and exception approval is not evident. 781 representative FICO score > 700 guideline minimum

31.674% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $9,468.52		 Reviewer Comment (2018-03-26): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Credit Score. 2) DTI. 3) Residual Income.
     03/26/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203085776 [Redacted] [Redacted] 5934044 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Date Arm Disclosure was provided is not evident.   Reviewer Comment (2018-03-26): Received Tracking tool
 03/26/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203085776 [Redacted] [Redacted] 5941612 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $250.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Fee disclosed as $150 on LE, but disclosed as $250 on Final Closing Disclosure a $100 lender credit for increase in closing costs was given to the borrower at closin       03/21/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C B C B C A C A Non QM Non QM Yes
203085776 [Redacted] [Redacted] 5946578 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing gap report / credit refresh dated within 10 days of closing.  The most recent gap report in file is dated 1/30/18, the loan closed [Redacted].   Reviewer Comment (2018-03-26): N/A
 03/26/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203085777 [Redacted] [Redacted] 5889392 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 50.74210% exceeds Guideline total debt ratio of 45.00000%. 50.74% > 45% Non-Prime Recent Housing Event program (February 2, 2018 matrix / [Redacted] Note date).  Lender's DTI 49.47% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  DTI (low front ratio) and LTV [Redacted] Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-03-20): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: DTI (low front ratio) and LTV (58.66%)
     03/20/2018 2 B [Redacted] MI Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203085777 [Redacted] [Redacted] 5889394 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203085777 [Redacted] [Redacted] 5889670 [Redacted] [Redacted] Compliance Compliance State Compliance Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower.             2 B [Redacted] MI Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203085777 [Redacted] [Redacted] 5889678 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-20): Received
 03/20/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203085777 [Redacted] [Redacted] 5894869 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI >50%   Reviewer Comment (2018-03-20): excluded additional debt paid off on final CD


Reviewer Comment (2018-03-20): Received Mortgage Statement, reduced payment (Includes taxes and insurance) to $598.43 - DTI now at 50.4355%
 03/20/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203085777 [Redacted] [Redacted] 5894870 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI >50%   Reviewer Comment (2018-03-20): excluded additional debt paid off on final CD
 03/20/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203085778 [Redacted] [Redacted] 5925590 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203085778 [Redacted] [Redacted] 5938444 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Both initial and final applications show Yes to prior foreclosure; LOX in file speaks to bankruptcy question being answered incorrectly as yes; however, per applications BK is marked No.  Please provide corrected LOX, 1003, or foreclosure documentation.   Reviewer Comment (2018-03-27): Rec'd final 1003 reflecting no bankruptcy or foreclosure in Declarations.
 03/27/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203085779 [Redacted] [Redacted] 5929136 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B A A C B C A Non QM Non QM No
203085779 [Redacted] [Redacted] 5930236 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller's Final CD contained a Recording Fee of $98 and a Natural Hazard Report of $62 not reflected on the consumer's CD.           2 B [Redacted] CA Primary Purchase   C B A A C B C A Non QM Non QM Yes
203085779 [Redacted] [Redacted] 5930278 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Unable to locate evidence of the Borrower's consent to receive electronic disclosures   Reviewer Comment (2018-04-04): rec'd e-consent
 04/04/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203085779 [Redacted] [Redacted] 5930280 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Unable to locate evidence the Borrower received a list of service providers.   Reviewer Comment (2018-04-04): rec'd SSPL
 04/04/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203085779 [Redacted] [Redacted] 5947308 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $250.00           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203085779 [Redacted] [Redacted] 5947309 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7552) Missing Closing Disclosure to go with Change of Circumstance dated 02/09/2018, adding Final Inspection Fee.   Reviewer Comment (2018-04-04): Rec'd 2/9/18 CD


Reviewer Comment (2018-03-24): Received 02/26/2018 CD, need 02/09/2018 CD.
 04/04/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203085780 [Redacted] [Redacted] 5886606 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C B A A B B C A Non QM Non QM No
203085780 [Redacted] [Redacted] 5886755 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-19): Received
 03/19/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other No Defined Cure C B A A B B C A Non QM Non QM No
203085780 [Redacted] [Redacted] 5886756 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on [Redacted] reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. [Redacted] $10.00 Georgia Residential Mortgage Fee paid to [Redacted] disclosed in Section B of final Closing Disclosure.           2 B [Redacted] GA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A B B C A Non QM Non QM Yes
203085782 [Redacted] [Redacted] 5930630 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.       Reviewer Comment (2018-03-26): Received [Redacted] Post Disaster Inspection dated 03/22/2018.
 03/26/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203085782 [Redacted] [Redacted] 5930636 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203085782 [Redacted] [Redacted] 5930799 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-24): Received
 03/24/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085782 [Redacted] [Redacted] 5940374 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Seller CD discloses a $471.20 Solar Transfer Fee paid by Seller at closing not disclosed on Consumer's CD.  Consumer CD discloses a $125.00 Pest Inspection Fee paid by Seller at closing not disclosed on Seller's CD           2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM Yes
203085782 [Redacted] [Redacted] 5944186 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. .   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085782 [Redacted] [Redacted] 5944548 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 680 is less than Guideline representative FICO score of 700. 680 score per Lender's credit report < 700 [Redacted] LTV under [Redacted].  Copy of Broker's credit report not in file. Guideline variance approved by lender at time of origination Reviewer Comment (2018-03-22): Received exception approval for credit score based on DTI, Residual Income, and Stable Employment History
     03/22/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203085783 [Redacted] [Redacted] 5937055 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203085783 [Redacted] [Redacted] 5946210 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $3.505.00 and $1,050.00 repair disbursements paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM Yes
203085783 [Redacted] [Redacted] 5946399 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. .           2 B [Redacted] TX Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203085783 [Redacted] [Redacted] 5946828 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure discloses a $510.00 Lender credit for $385.00 Appraisal and $125.00 Document Prep fee tolerances.  Final Closing Disclosure does not reflect a Lender credit for $4.50 Title - Title Guaranty fee tolerance.   Reviewer Comment (2018-03-24): Received Attestation letter
 03/24/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203085783 [Redacted] [Redacted] 5946829 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $465.00.  Insufficient or no cure was provided to the borrower. (7506) Final Closing Disclosure discloses a $510.00 Lender credit for $385.00 Appraisal and $125.00 Document Prep fee tolerances.   Reviewer Comment (2018-03-24): Reran Compliance
 03/24/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203085783 [Redacted] [Redacted] 5946831 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) $4.50 Title - Title Guaranty Fee not disclosed on Loan Estimate dated 1/19/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $4.50 tolerance.   Reviewer Comment (2018-03-24): Received Attestation letter
 03/24/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203085783 [Redacted] [Redacted] 5946898 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7537) Final Closing Disclosure discloses a $510.00 Lender credit for $385.00 Appraisal and $125.00 Document Prep fee tolerances.   Reviewer Comment (2018-03-24): Reran Compliance
 03/24/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203085783 [Redacted] [Redacted] 5977105 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Reran Compliance       03/24/2018   1 A [Redacted] TX Primary Purchase Final CD evidences Cure C B A A C B C A Non QM Non QM Yes
203085783 [Redacted] [Redacted] 5977106 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7537) Reran Compliance       03/24/2018   1 A [Redacted] TX Primary Purchase Final CD evidences Cure C B A A C B C A Non QM Non QM Yes
203085784 [Redacted] [Redacted] 5939845 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.79173% exceeds Guideline total debt ratio of 45.00000%. 49.79% < 45% Non-Prime program.  Lender's 46.00% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Reserves and Stable Employment History (Fixed Income) Guideline variance approved by lender at time of origination Reviewer Comment (2018-03-22): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Reserves and Stable Employment History (Fixed Income)
     03/22/2018 2 B [Redacted] WI Primary Purchase   C B C B B B C A Non QM Non QM No
203085784 [Redacted] [Redacted] 5939848 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] WI Primary Purchase   C B C B B B C A Non QM Non QM No
203085784 [Redacted] [Redacted] 5940005 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses a $30.00 HT110 Recording Fee paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] WI Primary Purchase   C B C B B B C A Non QM Non QM Yes
203085784 [Redacted] [Redacted] 5940016 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-27): rec'd e-consent
 03/27/2018     1 A [Redacted] WI Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203085785 [Redacted] [Redacted] 5947096 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203085785 [Redacted] [Redacted] 5947264 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.             2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203085785 [Redacted] [Redacted] 5947269 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-03-23): Received
 03/23/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B C B C B C A Non QM Non QM Yes
203085785 [Redacted] [Redacted] 5951542 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Non-Prime guidelines do not indicate that an Asset Depletion calculation can be used for income. DTI will be over 61% without using asset depletion income. Borrower on this Full documentation loan has a disposable income of $10,852.93

42.49599% Housing Payment Shock		 Reviewer Comment (2018-03-23): Received Credit Risk Summary & Exception Approval. Alternative income calculation used - Asset Depletion Calculation used for Income. Compensating Factors: 1) Payment Shock. 2) Residual Income.
     03/23/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203085786 [Redacted] [Redacted] 5892394 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203085786 [Redacted] [Redacted] 5892746 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-19): Received
 03/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203085786 [Redacted] [Redacted] 5892747 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Disclosed TIP 117.683% > 115.54% Calculated TIP           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203085786 [Redacted] [Redacted] 5892749 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. .           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203085787 [Redacted] [Redacted] 5924488 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.47 is less than Guideline PITIA months reserves of 6.00. 4.47 months ($29,092.60 ) < 6 months ($ 36,716.64) under Platinum program.  $40,791.63 verified assets reduced by $11,234.03 for property taxes and $465.00 appraisal fee paid before closing per Final Closing Disclosure.  [Redacted] recent bank statement in file dated 1/3/2018 verified $40,7910.63 in assets.  Updated statement not in file verifying account balance after $16,420.00 deposit (p 271) made 2/5/2018.  Unable to source verify $11,234.03 in property taxes prior to closing (p 74) via check and remaining assets available for reserves. Credit score, payment shock, residual income. Reviewer Comment (2018-04-04): Rec'd exception for reserve requirements not met.


Reviewer Comment (2018-03-23): Nothing received to clear this
     04/04/2018 2 B [Redacted] TX Primary Refinance - Rate/Term   C B C B B A C A Non QM Non QM No
203085787 [Redacted] [Redacted] 5924524 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.44706% exceeds Guideline total debt ratio of 45.00000%. 46.45% > 45% Platinum program (February 2, 2018 matrix).  Lender's DTI 46.58% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock -0.079% and Residual income $11,018.22 Guideline variance approved by lender at time of origination with residual income $11,044.94 > $3,000 minimum required. Reviewer Comment (2018-03-20): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Payment shock -0.079% and Residual income $11,018.22
     03/20/2018 2 B [Redacted] TX Primary Refinance - Rate/Term   C B C B B A C A Non QM Non QM No
203085787 [Redacted] [Redacted] 5924551 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Refinance - Rate/Term   C B C B B A C A Non QM Non QM No
203085787 [Redacted] [Redacted] 5924720 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-27): Rec'd e-consent
 03/27/2018     1 A [Redacted] TX Primary Refinance - Rate/Term No Defined Cure C B C B B A C A Non QM Non QM No
203085787 [Redacted] [Redacted] 5938249 [Redacted] [Redacted] Credit Credit General Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of [Redacted] is less than the note amount of [Redacted] based on the title evidence in file.     Reviewer Comment (2018-03-27): Rec'd final title policy in the amount of the loan.
 03/27/2018     1 A [Redacted] TX Primary Refinance - Rate/Term   C B C B B A C A Non QM Non QM No
203085789 [Redacted] [Redacted] 5874749 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided   Missing Deed from Ex-spouse to borrower and Deed reflecting current vesting.   Reviewer Comment (2018-03-22): Received Deed dated [Redacted]
 03/22/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   D A D A A A C A Non QM Non QM No
203085789 [Redacted] [Redacted] 5876426 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Lien(s) negatively impacting title   Evidence Judgement on title has been cleared is not evident.   Reviewer Comment (2018-03-22): Received Affidavit
 03/22/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   D A D A A A C A Non QM Non QM No
203085789 [Redacted] [Redacted] 5876653 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   Commitment still reflects ex-spouse on title and deeds are not evident reflecting current vesting.   Reviewer Comment (2018-03-22): Received Deed dated [Redacted]
 03/22/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   D A D A A A C A Non QM Non QM No
203085789 [Redacted] [Redacted] 5876671 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   D A D A A A C A Non QM Non QM No
203085790 [Redacted] [Redacted] 5927889 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   C A A A A A C A N/A N/A No
203085791 [Redacted] [Redacted] 5927931 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 03/01/2018, Transaction Closing and Disbursement date, from the Final CD, is [Redacted] and the effective date of the HOI policy is [Redacted]  HOI was not effective at time of closing or disbursement.   Reviewer Comment (2018-03-26): Rec'd hazard policy dated 2/23/18.
 03/26/2018     1 A [Redacted] IL Primary Purchase   C B C A B B C A Non QM Non QM No
203085791 [Redacted] [Redacted] 5927936 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] IL Primary Purchase   C B C A B B C A Non QM Non QM No
203085791 [Redacted] [Redacted] 5928159 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not provided   Reviewer Comment (2018-03-26): Rec'd e-consent
 03/26/2018     1 A [Redacted] IL Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203085791 [Redacted] [Redacted] 5928176 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. [Redacted] Not provided   Reviewer Comment (2018-04-04): Rec'd seller's CD
 04/04/2018     1 A [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203085791 [Redacted] [Redacted] 5943493 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   File is missing verification of taxes and insurance for property at [Redacted].  Borrower's ex-wife is obligated on these debts per the [Redacted], however, borrower is still owner and on title and is legally responsible for these debts.  Unable to verify amounts reflected on 1003.   Reviewer Comment (2018-03-23): Ex spouse is legally obligated
 03/23/2018     1 A [Redacted] IL Primary Purchase   C B C A B B C A Non QM Non QM No
203085791 [Redacted] [Redacted] 5943896 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date  Last Date Rate Set was not provided.  In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. Unable to determine Last Date Rate was set.  Interest rate increased to 6.5% on Final CD and Rate Relock form was not provided.           2 B [Redacted] IL Primary Purchase   C B C A B B C A Non QM Non QM No
203085791 [Redacted] [Redacted] 6076296 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] The seller's CD reflects $23,700.50 whereas the borrower's CD reflects $23,670.50           2 B [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203085793 [Redacted] [Redacted] 5930649 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203085793 [Redacted] [Redacted] 5930853 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.58 is less than Guideline PITIA months reserves of 6.00. Using 1.25% of purchase price for property taxes caused this exception.   Reviewer Comment (2018-04-04): used taxes from prelim; borrower has sufficient reserves
 04/04/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203085793 [Redacted] [Redacted] 5930943 [Redacted] [Redacted] Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation.   Missing source of $[Redacted] into [Redacted].   Reviewer Comment (2018-04-09): Received HUD1 from Refinance of [Redacted]
 04/09/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203085793 [Redacted] [Redacted] 5931038 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Missing P&L statement for Schedule C income/and 3rd Party VVOE   Reviewer Comment (2018-03-26): Neg income, hitting for a loss
 03/26/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Non QM Non QM Yes
203085793 [Redacted] [Redacted] 5931039 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Schedule C Ability to Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship employment status using reasonably reliable third-party records. [Redacted] Missing P&L statement for Schedule C income//and 3rd Party VVOE   Reviewer Comment (2018-03-26): Neg income, hitting for a loss
 03/26/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203085793 [Redacted] [Redacted] 5931040 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing P&L statement for Schedule C income/and 3rd Party VVOE   Reviewer Comment (2018-03-26): Neg income, hitting for a loss
 03/26/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203085793 [Redacted] [Redacted] 5931041 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign Consent missing   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203085793 [Redacted] [Redacted] 5931042 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/390592) Projected payment does not match when using 1.25% of purchase price for property taxes.   Reviewer Comment (2018-04-04): used taxes from prelim
 04/04/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
203085793 [Redacted] [Redacted] 5931043 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/390592) Projected payment does not match when using 1.25% of purchase price for property taxes.   Reviewer Comment (2018-04-04): used taxes from prelim
 04/04/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Non QM Non QM Yes
203085793 [Redacted] [Redacted] 5931044 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] No disclosed value           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203085793 [Redacted] [Redacted] 5939192 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy The hazard insurance policy does not reflect the Lender as Payee.   [Redacted]   Reviewer Comment (2018-05-14): A corrected hazard insurance dec page showing [Redacted] as mortgagee has been provided.
 05/14/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203085793 [Redacted] [Redacted] 5939239 [Redacted] [Redacted] Compliance Compliance Federal Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. There is not a transfer of appraisal to the lender in the loan file.           2 B [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203085793 [Redacted] [Redacted] 5939258 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on [Redacted] did not use the same fee terminology as the Loan Estimate. [Redacted] The final LE and initial CD reflect a Title-Wire Payoff fee of $430 and the Final CD reflects a Title-Document Review Fee of $430.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203085793 [Redacted] [Redacted] 5939285 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on [Redacted] contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation The interest rate was changed from the initial CD of 5.675% to the final CD 5.875%.   Reviewer Comment (2018-04-24): Updated input
 04/24/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203085793 [Redacted] [Redacted] 5939354 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-04-23): Received Change of Circumstance document
 04/23/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203085793 [Redacted] [Redacted] 5939355 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $997.50 exceeds tolerance of $975.00.  Insufficient or no cure was provided to the borrower. (7200) Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $997.50 exceeds tolerance of $975.00. Insufficient or no cure was provided to the borrower.   Reviewer Comment (2018-04-23): Received Change of Circumstance document
 04/23/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203085794 [Redacted] [Redacted] 5931922 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-24): Received
 03/24/2018     1 A [Redacted] WI Second Home Purchase No Defined Cure B B A A B B A A Non QM Non QM No
203085794 [Redacted] [Redacted] 5937780 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Consumer CD discloses $1,877.47 in Property Taxes paid by Seller at closing not disclosed on Seller CD.  Seller CD discloses a -$125.00 Technology Fee credit to Seller at closing not disclosed on Consumer's CD           2 B [Redacted] WI Second Home Purchase   B B A A B B A A Non QM Non QM Yes
203085795 [Redacted] [Redacted] 5948288 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). [Redacted] Mortgage Broker name is blank on page 5 of the Closing Disclosure.   Reviewer Comment (2018-04-04): Rec’d LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-03-26): Rec'd corrected CD and evidence of emailing.  Missing LOE to the borrower.
   04/04/2018   2 B [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Non QM Non QM Yes
203085795 [Redacted] [Redacted] 5948289 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F Line 4 is missing number of months collected.   Reviewer Comment (2018-03-26): This was not corrected on the PC CD dated 3/23/18
       2 B [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Non QM Non QM Yes
203085795 [Redacted] [Redacted] 5948307 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] Missing Closing Disclosure dated [Redacted] per Tracking Tool in file.   Reviewer Comment (2018-03-26): Rec'd 2/12/18 CD and proof of receipt.
 03/26/2018     1 A [Redacted] NV Primary Purchase No Defined Cure C B C A C B A A Non QM Non QM No
203085795 [Redacted] [Redacted] 5948308 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $50,546.94 while closing CD seller's fees total $52,961.48.   Reviewer Comment (2018-04-04): Rec’d LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-03-26): Rec'd corrected CD and evidence of emailing.  Missing LOE to the borrower.
   04/04/2018   2 B [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Non QM Non QM Yes
203085795 [Redacted] [Redacted] 5951839 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: [Redacted] Missing third party verification within 10 days of closing.   Reviewer Comment (2018-03-26): Rec'd business license, internet printout and lender attestation letter dated 3/23/18.
 03/26/2018     1 A [Redacted] NV Primary Purchase   C B C A C B A A Non QM Non QM No
203085795 [Redacted] [Redacted] 5962531 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Missing Seller's Closing Disclosure.   Missing page 2 of the Sellers Closing Disclosure.   Reviewer Comment (2018-04-04): Rec'd complete copy of the seller's CD
 04/04/2018     1 A [Redacted] NV Primary Purchase Good Faith Redisclosure C B C A C B A A Non QM Non QM Yes
203085795 [Redacted] [Redacted] 5962788 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,700.00 exceeds tolerance of $1,630.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         03/22/2018   1 A [Redacted] NV Primary Purchase Final CD evidences Cure C B C A C B A A Non QM Non QM Yes
203085796 [Redacted] [Redacted] 5938609 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Second Home Purchase   C B C B C A C A Non QM Non QM No
203085796 [Redacted] [Redacted] 5950099 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] No cure provided.   Reviewer Comment (2018-03-23): Received Attestation letter
 03/23/2018     1 A [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203085796 [Redacted] [Redacted] 5950100 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $85.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Title-Lien Search fee was not disclosed on Loan Estimate and service provider is not the same provider as other fees disclosed on the LE.  No cure provided.   Reviewer Comment (2018-03-23): Received Attestation letter
 03/23/2018     1 A [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203085796 [Redacted] [Redacted] 5951591 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Lender Exception(s) not provided   Credit Risk Summary & Exception Approval form not provided; required by guidelines.   Reviewer Comment (2018-03-23): Received
 03/23/2018     1 A [Redacted] FL Second Home Purchase   C B C B C A C A Non QM Non QM No
203085796 [Redacted] [Redacted] 5951648 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.22720% exceeds Guideline total debt ratio of 45.00000%. DTI exceeds guideline max of 45%; Lender exception approval not provided. 70 months reserves > 6 months guideline minimum - borrowers have verified reserves of $373,942.47

Borrower on this Full documentation loan has a disposable income of $12,555.59		 Reviewer Comment (2018-03-23): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) Credit Score. 2) Reserves. 3) Residual Income. 4) Bonus income not used for qualifying.
     03/23/2018 2 B [Redacted] FL Second Home Purchase   C B C B C A C A Non QM Non QM No
203085796 [Redacted] [Redacted] 5951652 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > Guideline max   Reviewer Comment (2018-03-23): Received Exception approval for DTI
 03/23/2018     1 A [Redacted] FL Second Home Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203085796 [Redacted] [Redacted] 5951653 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > Guideline max   Reviewer Comment (2018-03-23): Received Exception approval for DTI
 03/23/2018     1 A [Redacted] FL Second Home Purchase   C B C B C A C A Non QM Non QM No
203085797 [Redacted] [Redacted] 5947304 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Note Error: Prepayment penalty period is blank.   Prepayment Addendum to Note discloses term as "n/a". Loan Approval does not disclose # months of penalty.  Final Closing Disclosure discloses prepayment penalty yes, as high as $2,248.00 but # months not disclosed.  Lock Confirmation does not indicate rate includes a prepayment buy out rate adjustment.   Reviewer Comment (2018-04-26): Received corrected PPP riders
 04/26/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A C A A A A A N/A N/A No
203085800 [Redacted] [Redacted] 5945839 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MN Primary Purchase   C B C A B B C A Non QM Non QM No
203085800 [Redacted] [Redacted] 5946275 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 6.37790% or Final Disclosure APR of 6.41500% is in excess of allowable threshold of USTreasury 2.6800% + 3%, or 5.68000%.  Compliant Subprime Loan.             2 B [Redacted] MN Primary Purchase   C B C A B B C A Non QM Non QM No
203085800 [Redacted] [Redacted] 5946276 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-26): Rec'd e-consent
 03/26/2018     1 A [Redacted] MN Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203085800 [Redacted] [Redacted] 5957766 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing [Redacted] statement to support $[Redacted] in gross deposits used by Lender in income calculation to complete 24 months consecutive statements under Portfolio Select Business Bank Statement program.   Reviewer Comment (2018-03-26): Rec'd bank statement.
 03/26/2018     1 A [Redacted] MN Primary Purchase   C B C A B B C A Non QM Non QM No
203085800 [Redacted] [Redacted] 5958363 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer's CD discloses a $201.15 higher amount RE Commission fee amount than disclosed on Seller's CD   Reviewer Comment (2018-03-26): Rec’d LOE, corrected CD and evidence of emailing.
   03/26/2018   2 B [Redacted] MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203085801 [Redacted] [Redacted] 5945680 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203085801 [Redacted] [Redacted] 5946251 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F, Line 04 (# months) field is blank.  $3,453.14 Property Taxes paid by Borrower at closing disclosed.           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203085801 [Redacted] [Redacted] 5964025 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.82901% exceeds Guideline total debt ratio of 45.00000%. 47.83% > 45% Portfolio Select.  44.83% includes a $3,561.00 monthly bonus income amount for Borrower that is not supported.    47.83% includes $3,050.45 calculated amount. Reserves, residual income Reviewer Comment (2018-04-04): Rec'd exception for DTI exceeds guidelines.
     04/04/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203085801 [Redacted] [Redacted] 5964033 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-04-09): Received Credit Risk Summary & Exception approval 4/4/18
 04/09/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203085801 [Redacted] [Redacted] 5964034 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-04-09): Received Credit Risk Summary & Exception approval 4/4/18
 04/09/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203095567 [Redacted] [Redacted] 5952372 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] WA Primary Purchase   C B C B A A C A Non QM Non QM No
203095567 [Redacted] [Redacted] 5977089 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.00 is less than Guideline PITIA months reserves of 6.00.   DTI, residual income, stable employment history Reviewer Comment (2018-03-28): Rec'd exception for reserve requirements not met.
     03/28/2018 2 B [Redacted] WA Primary Purchase   C B C B A A C A Non QM Non QM No
203095568 [Redacted] [Redacted] 5946510 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids.           2 B [Redacted] WA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203095568 [Redacted] [Redacted] 5946511 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $3,665.00 exceeds tolerance of $3,564.00.  Sufficient or excess cure was provided to the borrower at Closing. (73109) Fee Amount of $3,665.00 exceeds tolerance of $3,564.00. Sufficient or excess cure was provided to the borrower at Closing.       03/21/2018   1 A [Redacted] WA Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203095568 [Redacted] [Redacted] 5946555 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Debt Consolidation   C B A A B B C A Non QM Non QM No
203095569 [Redacted] [Redacted] 5944203 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] SC Investment Purchase   C A A A     C A     No
203095570 [Redacted] [Redacted] 5960539 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-04): rec'd e-consent
 04/04/2018     1 A [Redacted] TX Primary Purchase No Defined Cure B A A A B A A A Non QM Non QM No
203095570 [Redacted] [Redacted] 5960877 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. .   Reviewer Comment (2018-04-04): rec'd toolkit
 04/04/2018     1 A [Redacted] TX Primary Purchase No Defined Cure B A A A B A A A Non QM Non QM No
203095571 [Redacted] [Redacted] 5951185 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-27): rec'd e-consent
 03/27/2018     1 A [Redacted] OH Primary Purchase No Defined Cure B A A A B A A A Non QM Non QM No
203095572 [Redacted] [Redacted] 5950973 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CT Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203095572 [Redacted] [Redacted] 5951484 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) Connecticut Non-Prime Home Loan: APR on subject loan of 6.14570% is in excess of allowable threshold of APOR 4.17% + 1.5%, or 5.67000%.  Compliant Loan.             2 B [Redacted] CT Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203095572 [Redacted] [Redacted] 5951496 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. .   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] CT Primary Refinance - Rate/Term No Defined Cure C B C B C B C A Non QM Non QM No
203095572 [Redacted] [Redacted] 5955206 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.57345% exceeds Guideline total debt ratio of 45.00000%. 45.57% > 45% Platinum program.  Lender's 45.64% > 45%.  Exception not acknowledged by Lender Stable employment history, LTV, reserves. Reviewer Comment (2018-03-27): Rec'd exception for DTI > maximum allowed.
     03/27/2018 2 B [Redacted] CT Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203095572 [Redacted] [Redacted] 5955303 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-03-27): Rec'd DTI exception.
 03/27/2018     1 A [Redacted] CT Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203095572 [Redacted] [Redacted] 5955304 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-03-27): Rec'd DTI exception.
 03/27/2018     1 A [Redacted] CT Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203095572 [Redacted] [Redacted] 5955305 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-27): Rec'd e-consent
 03/27/2018     1 A [Redacted] CT Primary Refinance - Rate/Term No Defined Cure C B C B C B C A Non QM Non QM No
203095573 [Redacted] [Redacted] 5948593 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Rate/Term   C A A A B A C A Non QM Non QM No
203095573 [Redacted] [Redacted] 5948862 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Sufficient cure provided.       03/21/2018   1 A [Redacted] FL Primary Refinance - Rate/Term Final CD evidences Cure C A A A B A C A Non QM Non QM Yes
203095573 [Redacted] [Redacted] 5965337 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. SSPL not found in the loan file.   Reviewer Comment (2018-03-27): rec'd SSPL
 03/27/2018     1 A [Redacted] FL Primary Refinance - Rate/Term No Defined Cure C A A A B A C A Non QM Non QM No
203095574 [Redacted] [Redacted] 5945603 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203095574 [Redacted] [Redacted] 5945670 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   Payment shock exceeds guideline maximum of 200% for first-time home buyers. Lender Exception granted with comp factors: High monthly reserves, Low DTI, and excess residual income. 59 months reserves > 12 months guideline minimum for > 250% payment shock

24.73% DTI on this 12 months personal bank statement documentation loan < 45% guideline max - 20% below program guideline maximum

Borrower on this 12 months personal bank statement documentation loan has a disposable income of $16,379.77		 Reviewer Comment (2018-03-21): Lender exception approval provided.
     03/21/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203095574 [Redacted] [Redacted] 5945971 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.             2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203095574 [Redacted] [Redacted] 5945982 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Sign Agreement not evident.   Reviewer Comment (2018-03-26): rec'd e-consent
 03/26/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203095574 [Redacted] [Redacted] 5946349 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $37493.60 while closing CD seller's fees total $31,559.50.           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203095574 [Redacted] [Redacted] 5951978 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. SSPL not provided.           2 B [Redacted] FL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203095574 [Redacted] [Redacted] 5952006 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: [Redacted] Bank Statement Income analysis worksheet was not provided; required by guidelines.   Reviewer Comment (2018-03-26): Rec'd worksheet.
 03/26/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203095575 [Redacted] [Redacted] 5953111 [Redacted] [Redacted] 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.             2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   B B A A B B A A Non QM Non QM No
203095575 [Redacted] [Redacted] 5953120 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing electronic signature disclosure.   Reviewer Comment (2018-03-27): rec'd e-consent
 03/27/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B B A A B B A A Non QM Non QM No
203095575 [Redacted] [Redacted] 5953121 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Missing Service Provider List.   Reviewer Comment (2018-03-27): Rec'd SSPL
 03/27/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure B B A A B B A A Non QM Non QM No
203095577 [Redacted] [Redacted] 5951778 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] VA Investment Purchase   C B C B     C A     No
203095577 [Redacted] [Redacted] 5963618 [Redacted] [Redacted] Credit Fix and Flip General FICO score is less than required by guidelines.  Investor requirements for minimum FICO score have not been met.   Borrower FICO of 656 < 660 minimum FICO; lender exception approval was not provided. Reserves, credit history. Reviewer Comment (2018-03-26): Rec'd exception for credit score < guideline requirements.
     03/26/2018 2 B [Redacted] VA Investment Purchase   C B C B     C A     No
203095579 [Redacted] [Redacted] 5951006 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MN Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203095579 [Redacted] [Redacted] 5951057 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.30 is less than Guideline PITIA months reserves of 6.00. 2.30 months < 6 months [Redacted] Statement program.  Lender's 3 months < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit score 716, Payment shock decreasing  6.67% Guideline variance approved by lender at time of origination Reviewer Comment (2018-03-23): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit score 716, Payment shock decreasing  6.67%
     03/23/2018 2 B [Redacted] MN Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203095579 [Redacted] [Redacted] 5951132 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 7.13890% or Final Disclosure APR of 7.17000% is in excess of allowable threshold of USTreasury 2.8100% + 3%, or 5.81000%.  Compliant Subprime Loan.             2 B [Redacted] MN Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203095580 [Redacted] [Redacted] 5952663 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203095580 [Redacted] [Redacted] 5952671 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-10): Received Post Disaster Inspection – No Damages
     04/10/2018 2 B [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203095580 [Redacted] [Redacted] 5980759 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $29,127.43 is less than Cash From Borrower $33,025.11. [Redacted]   Reviewer Comment (2018-04-04): Rec'd verification of sufficient funds to close.
 04/04/2018     1 A [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203095581 [Redacted] [Redacted] 5959225 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 8.42620% or Final Disclosure APR of 8.45000% is in excess of allowable threshold of USTreasury 2.8500% + 3%, or 5.85000%.  Compliant Subprime Loan.             2 B [Redacted] MN Primary Purchase   C B C B B B C A Non QM Non QM No
203095581 [Redacted] [Redacted] 5974065 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MN Primary Purchase   C B C B B B C A Non QM Non QM No
203095581 [Redacted] [Redacted] 5974079 [Redacted] [Redacted] Credit System General Valuation address does not match Note address. Valuation Type: AVM / Valuation Report Date: [Redacted] [Redacted]   Reviewer Comment (2018-04-05): LOE from ClearCapital provided.
 04/05/2018     1 A [Redacted] MN Primary Purchase   C B C B B B C A Non QM Non QM No
203095581 [Redacted] [Redacted] 5975219 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Issue:  Insufficient tradelines per credit guidelines   1 trade reporting 62 months in the past 12 months < trade lines reporting for ≥ 12 month; or 2 trade lines reporting for ≥ 24 months with activity in the past 12 months at approved [Redacted] LTV under Non-Prime program (February 2, 2018 matrix).  Mo minimum trade line applicable at a max [Redacted] LTV.   Exception not acknowledged by Lender. 8.6 > 6 months reserves required

Borrower on this Full documentation loan has a disposable income of $4,218.51		 Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception Approval. Non-traditional credit: 24 Mont Pay history used as 2nd tradeline. Compensating Factors: 1) Reserves. 2) Residual Income.
     04/05/2018 2 B [Redacted] MN Primary Purchase   C B C B B B C A Non QM Non QM No
203095581 [Redacted] [Redacted] 5975485 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $9,423.00 RE Commission Buyer fee paid by Seller at closing that is not disclosed on Consumer's CD   Reviewer Comment (2018-04-05): Rec'd LOE, corrected CD and evidence of emailing.
   04/05/2018   2 B [Redacted] MN Primary Purchase   C B C B B B C A Non QM Non QM Yes
203095582 [Redacted] [Redacted] 5950165 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MN Primary Purchase   C B A A B B C A Non QM Non QM No
203095582 [Redacted] [Redacted] 5950493 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 7.47520% or Final Disclosure APR of 7.51300% is in excess of allowable threshold of USTreasury 2.8500% + 3%, or 5.85000%.  Compliant Subprime Loan.             2 B [Redacted] MN Primary Purchase   C B A A B B C A Non QM Non QM No
203095582 [Redacted] [Redacted] 5950494 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-27): rec'd e-consent
 03/27/2018     1 A [Redacted] MN Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203095583 [Redacted] [Redacted] 5951739 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TN Primary Purchase   C B A A B B C A Non QM Non QM No
203095583 [Redacted] [Redacted] 5954447 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses a $450.00 Title - Closing Fee paid by Seller at closing that is not disclosed on Seller's CD           2 B [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203095583 [Redacted] [Redacted] 5961734 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-03-27): rec'd e-consent
 03/27/2018     1 A [Redacted] TN Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203095584 [Redacted] [Redacted] 5952130 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Purchase Agreement / Sales Contract not provided       Reviewer Comment (2018-04-04): Rec'd purchase agreement.
 04/04/2018     1 A [Redacted] NC Primary Purchase   D B D B B B C A Non QM Non QM No
203095584 [Redacted] [Redacted] 5952132 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NC Primary Purchase   D B D B B B C A Non QM Non QM No
203095584 [Redacted] [Redacted] 5952143 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.13150% or Final Disclosure APR of 7.16500% is in excess of allowable threshold of APOR 4.20% + 1.5%, or 5.70000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Purchase   D B D B B B C A Non QM Non QM No
203095584 [Redacted] [Redacted] 5952144 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7535) Final Closing Disclosure discloses a $150.00 Lender credit for tolerance.       03/21/2018   1 A [Redacted] NC Primary Purchase Final CD evidences Cure D B D B B B C A Non QM Non QM Yes
203095584 [Redacted] [Redacted] 5952148 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-04): rec'd e-consent
 04/04/2018     1 A [Redacted] NC Primary Purchase No Defined Cure D B D B B B C A Non QM Non QM No
203095584 [Redacted] [Redacted] 5973808 [Redacted] [Redacted] Credit Assets Asset Documentation Missing Document: Asset Documentation not provided   Missing copy of current [Redacted] statement for savings [Redacted] verifying current balance.   Per documentation in file, $[Redacted] in sales proceeds from prior residence was deposited into [Redacted] on [Redacted].  2 checks drawn on account, 1 check for $[Redacted] deposited into [Redacted] on [Redacted] of which $[Redacted] was then transferred out to [Redacted] savings [Redacted] on [Redacted]  The remaining 1 check drawn [Redacted] for [Redacted] was a repayment on  of a [Redacted] personal loan given to Borrower.   Reviewer Comment (2018-04-04): Rec'd  [Redacted] statement dated 1/31/18.
 04/04/2018     1 A [Redacted] NC Primary Purchase   D B D B B B C A Non QM Non QM No
203095584 [Redacted] [Redacted] 5974019 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $29,127.43 is less than Cash From Borrower $33,025.11. [Redacted]   Reviewer Comment (2018-04-09): Received [Redacted] statement
 04/09/2018     1 A [Redacted] NC Primary Purchase   D B D B B B C A Non QM Non QM No
203095584 [Redacted] [Redacted] 5974050 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Missing verification 6 months ($15,070.44) PITI reserves Portfolio Select Bank Statement program.  Asset verification in file does not support Lender's 5 months PITI reserves < 6 months calculation.  Lender's Credit Risk Summary & Exception Approval in file for 5 months < 6 months.  Compensating factors:  Credit score 700, Front housing ratio 29.56%, 67.3% Payment shock, $4,351.26 Residual income and Stable Employment XXX representative FICO score > XXX guideline minimum - XX points above guideline minimum Reviewer Comment (2018-04-12): Exception approval based on Credit score, payment shock, residual income, stable employment


Reviewer Comment (2018-04-12): EV2


Reviewer Comment (2018-03-23): Asset verification in file does not support Lender's 5 months PITI reserves < 6 months calculation.  Lender's Credit Risk Summary & Exception Approval in file for 5 months < 6 months.  Compensating factors:  Credit score 700, Front housing ratio 29.56%, 67.3% Payment shock, $4,351.26 Residual income and Stable Employment
     04/12/2018 2 B [Redacted] NC Primary Purchase   D B D B B B C A Non QM Non QM No
203095584 [Redacted] [Redacted] 5974298 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.12776% exceeds Guideline total debt ratio of 45.00000%. 49.15% > 45% [Redacted] Statement program.  Lender's 48.75% > 45%.   Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  Credit score 700, Front housing ratio 29.56%, 67.3% Payment shock, $4,351.26 Residual income and Stable Employment Guideline variance approved by lender at time of origination Reviewer Comment (2018-03-23): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  Credit score 700, Front housing ratio 29.56%, 67.3% Payment shock, $4,351.26 Residual income and Stable Employment
     03/23/2018 2 B [Redacted] NC Primary Purchase   D B D B B B C A Non QM Non QM No
203095584 [Redacted] [Redacted] 5974358 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing most recent 12 months prior to 11/2017 for [Redacted] secured by prior residence [Redacted] or proof both loans were non-borrowing spouses [Redacted] sole financial obligation   Reviewer Comment (2018-04-04): Rec'd seller's CD reflecting non-borrowing spouse's name only.


Buyer Comment (2018-03-27): Please note seller CD is in [Redacted] name only
 04/04/2018     1 A [Redacted] NC Primary Purchase   D B D B B B C A Non QM Non QM No
203095585 [Redacted] [Redacted] 5956853 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM No
203095585 [Redacted] [Redacted] 5957832 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses a higher $30.00  Doc Prep Fee and $5.00 Home Warranty Fee than disclosed on Seller's CD           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203095585 [Redacted] [Redacted] 5981756 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-04): Rec'd e-consent
 04/04/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203095585 [Redacted] [Redacted] 6075355 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] E-consent dated 2/14/18           2 B [Redacted] TX Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203095586 [Redacted] [Redacted] 5951946 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C A C A B A C A Non QM Non QM No
203095586 [Redacted] [Redacted] 5952025 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-04): Rec'd e-consent
 04/04/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C A C A B A C A Non QM Non QM No
203095586 [Redacted] [Redacted] 5971846 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing [Redacted]  mortgage statement verifying [Redacted] payment includes escrow for property taxes, hazard insurance. [Redacted]   Reviewer Comment (2018-04-16): Rec'd Bank of America stmt.


Reviewer Comment (2018-04-04): Rec'd SLS statement.  Missing [Redacted] payment includes escrow for property taxes, hazard insurance. HOA for [Redacted]		 04/16/2018     1 A [Redacted] FL Primary Purchase   C A C A B A C A Non QM Non QM No
203095587 [Redacted] [Redacted] 5957715 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TN Primary Purchase   C B A A B B C A Non QM Non QM No
203095587 [Redacted] [Redacted] 5958183 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses $330.00 HOA Dues and $330.95 Property Taxes paid by Seller at closing that are not disclosed on Seller's CD           2 B [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203095588 [Redacted] [Redacted] 5957940 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-05): Received Post Disaster Inspection – No Damages
     04/05/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203095588 [Redacted] [Redacted] 5957952 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203095588 [Redacted] [Redacted] 5959616 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Finance Charge that does not match the actual finance charge for the loan. [Redacted] Calculated Finance Charge $1,140,579.00   Reviewer Comment (2018-04-16): Rec'd final CD eliminating the $300 pad.  No violation.
 04/16/2018     1 A [Redacted] CA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C B C A C A Non QM Non QM Yes
203095588 [Redacted] [Redacted] 5959619 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $13.00   Reviewer Comment (2018-04-16): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/16/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203095588 [Redacted] [Redacted] 5959624 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Loan submitted as Non-QM   Reviewer Comment (2018-04-24): Rec'd exception for DTI.


Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18, cannot accept CRE provided as does not address actual exception.
 04/24/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203095588 [Redacted] [Redacted] 5959680 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. .   Reviewer Comment (2018-04-24): Rec'd exception for DTI.


Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18, however, it does not make exception for DTI that address the ATR
 04/24/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203095588 [Redacted] [Redacted] 5985897 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.38256% exceeds Guideline total debt ratio of 45.00000%. Refunds and [Redacted] deposits removed from bank statement income calculation.   Reviewer Comment (2018-04-24): DTI is within guidelines, updated deposit input


Reviewer Comment (2018-04-24): This is a clear


Reviewer Comment (2018-04-24): Rec'd exception for DTI > maximum allowed.


Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18, for ATR not addressing this guideline exception
 04/24/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203095588 [Redacted] [Redacted] 5985914 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $13.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-16): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/16/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203095588 [Redacted] [Redacted] 5985915 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for PAD.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (817148) unallowed fee   Reviewer Comment (2018-04-16): Rec'd final CD eliminating the $300 pad.  No violation.


Reviewer Comment (2018-04-05): Received Title Closing Statement, not CD, need corrected PCCD.
 04/16/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203095588 [Redacted] [Redacted] 5985916 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on [Redacted] disclosed a Pad fee that was not allocated to a specific cost or service performed. [Redacted] unallowed fee   Reviewer Comment (2018-04-16): Rec'd final CD eliminating the $300 pad.  No violation.


Reviewer Comment (2018-04-05): Received Title Closing Statement, not CD, need corrected PCCD.
 04/16/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B C B C A C A Non QM Non QM Yes
203095589 [Redacted] [Redacted] 5953822 [Redacted] [Redacted] Credit Flood Insurance Insufficient Coverage Insufficient Coverage: Flood insurance coverage amount is insufficient.   Flood coverage is $800 less than loan amount.   Reviewer Comment (2018-04-05): Received dec page with revised coverage amount equal to Note.
 04/05/2018     1 A [Redacted] NJ Primary Purchase   C B C A C B C A Non QM Non QM No
203095589 [Redacted] [Redacted] 5953824 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NJ Primary Purchase   C B C A C B C A Non QM Non QM No
203095589 [Redacted] [Redacted] 5954537 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $16.40   Reviewer Comment (2018-04-05): Documentation of cure provided.
   04/05/2018   2 B [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203095589 [Redacted] [Redacted] 5954539 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Sellers final CD total seller fees of $14400 does not match the seller fees of $12535.02 reflected on the Final Closing Disclosure provided on [Redacted]           2 B [Redacted] NJ Primary Purchase   C B C A C B C A Non QM Non QM Yes
203095589 [Redacted] [Redacted] 5954540 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $496.00 exceeds tolerance of $436.00 plus 10% or $479.60.  Insufficient or no cure was provided to the borrower. (0) Recording Fee increased $60.00, cure needed is $16.40   Reviewer Comment (2018-04-05): Documentation of cure provided.
   04/05/2018   2 B [Redacted] NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203095590 [Redacted] [Redacted] 5960397 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NV Primary Purchase   C B C B B B C A Non QM Non QM No
203095590 [Redacted] [Redacted] 5961390 [Redacted] [Redacted] 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. $344.16 Sum of Escrow Fees < $498.30 Initial Escrow Account Disclosure Amount.  Sum of escrow fees includes escrow for property taxes.    Initial Escrow Account Disclosure amount includes escrow for property taxes and hazard insurance.    Final Closing Disclosure, Section G discloses only escrows reserves for property taxes.           2 B [Redacted] NV Primary Purchase   C B C B B B C A Non QM Non QM No
203095590 [Redacted] [Redacted] 5961393 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller's CD discloses a $150.00 Title - Additional Work and $25.00 Title - Wire fee paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] NV Primary Purchase   C B C B B B C A Non QM Non QM Yes
203095590 [Redacted] [Redacted] 5981950 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-04): rec'd e-consent
 04/04/2018     1 A [Redacted] NV Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203095590 [Redacted] [Redacted] 5982564 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 52.98311% exceeds Guideline total debt ratio of 45.00000%. 45.94% > 45% Portfolio Select Bank Statement program.  Lender's DTI 46.28% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit history and $5,966.00 Residual income. Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit history and $5,966.00 Residual income. Reviewer Comment (2018-03-26): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit history and $5,966.00 Residual income.
     03/26/2018 2 B [Redacted] NV Primary Purchase   C B C B B B C A Non QM Non QM No
203109404 [Redacted] [Redacted] 5937357 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CO Primary Purchase   C A A A A A C A Non QM Non QM No
203109404 [Redacted] [Redacted] 5937679 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Cure provided.       03/20/2018   1 A [Redacted] CO Primary Purchase Final CD evidences Cure C A A A A A C A Non QM Non QM Yes
203109405 [Redacted] [Redacted] 5942663 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NM Primary Purchase   C B C B A A C A Non QM Non QM No
203109405 [Redacted] [Redacted] 5945262 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility 1003 Error: Citizenship  was not provided   Initial and Final Application disclose Co-borrower as not a US Citizen and not  a Permanent Resident Alien.  Proof of Citizenship was not provided.  Fraud report indicates that Co-borrower SSN was randomly issued and SSN has been verified; unable to determine citizenship status.           2 B [Redacted] NM Primary Purchase   C B C B A A C A Non QM Non QM No
203109405 [Redacted] [Redacted] 5946643 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Issue:  Insufficient tradelines per credit guidelines   Primary borrower is required to meet minimum trade line requirement.  Primary borrower has no active trade lines and all accounts with activity in last 12 months were discharged in bankruptcy and are not eligible to be considered.  Cancelled checks provided meet 12 month history for one account and Chapter 13 payment history shows paid as agreed for 36+ months, however, the borrower is still missing one additional trade line reporting for 12 months to meet minimum required. Guidelines require a minimum of 3 trade lines reporting >/= 12 months or 2 trade lines reporting >/= 24 months all with activity in last 12 months.  Limited trade lines are not allowed on Portfolio select program. Residual Income $4700

13 months reserves > 6 months guideline minimum		 Reviewer Comment (2018-03-22): Received Credit Risk Summary & Exception approval 3/22/18
     03/22/2018 2 B [Redacted] NM Primary Purchase   C B C B A A C A Non QM Non QM No
203114903 [Redacted] [Redacted] 5966628 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] SC Primary Purchase   C B A A B B C A Non QM Non QM No
203114903 [Redacted] [Redacted] 5967501 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on [Redacted] reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. [Redacted] Section B reflects Flood Certification fee paid to Lender; payee must reflect the actual vendor who provided the service.   Reviewer Comment (2018-03-27): Rec’d LOE, corrected CD and evidence of emailing.
   03/27/2018   2 B [Redacted] SC Primary Purchase Good Faith Redisclosure C B A A B B C A Non QM Non QM Yes
203114903 [Redacted] [Redacted] 5967580 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Sufficient cure provided at closing.       03/23/2018   1 A [Redacted] SC Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203114903 [Redacted] [Redacted] 5972174 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Missing Data) Last Rate Set Date  Last Date Rate Set was not provided.  In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. Unable to determine the date the rate was last set.  No relock form with date of change provided.  Rate changed on Initial CD dated [Redacted] and prior LE dated [Redacted]
Per rate lock forms provided, the initial rate locked on [Redacted] was extended through [Redacted] and then rate changed and expiration is [Redacted] .		           2 B [Redacted] SC Primary Purchase   C B A A B B C A Non QM Non QM No
203114904 [Redacted] [Redacted] 5965150 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203114904 [Redacted] [Redacted] 5965314 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Missing FACTA Disclosure           2 B [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203114904 [Redacted] [Redacted] 5970658 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] 16,799 < 16,802           2 B [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM Yes
203114904 [Redacted] [Redacted] 5972845 [Redacted] [Redacted] Credit System General Valuation address does not match Note address. Valuation Type: Appraisal / Valuation Report Date: [Redacted] Valuation address reflects address as [Redacted] and Note reflects [Redacted].   Reviewer Comment (2018-03-29): Received amended appraisal with corrected address
 03/29/2018     1 A [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203114904 [Redacted] [Redacted] 5975646 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $22.50 + $250.00 + $25.00 + $35.00   Reviewer Comment (2018-03-28): Received Attestation letter
 03/28/2018     1 A [Redacted] AL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203114904 [Redacted] [Redacted] 5975647 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $132.50 exceeds tolerance of $100.00 plus 10% or $110.00.  Insufficient or no cure was provided to the borrower. (0) Recording Fee increased   Reviewer Comment (2018-03-28): Received Attestation letter
 03/28/2018     1 A [Redacted] AL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203114904 [Redacted] [Redacted] 5975648 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Compliance Audit / Quality Control Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75108) Fee disclosed as 442/Compliance Inspection on Loan Estimate. Fee disclosed as Compliance Admin Fee on Closing Disclosures.   Reviewer Comment (2018-03-28): Received Change of Circumstance document
 03/28/2018     1 A [Redacted] AL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203114904 [Redacted] [Redacted] 5975649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-28): Received Attestation letter
 03/28/2018     1 A [Redacted] AL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203114904 [Redacted] [Redacted] 5975651 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $340.95 exceeds tolerance of $260.00.  Insufficient or no cure was provided to the borrower. (8304) No Change of Circumstance provided for increase of fee on Final CD.   Reviewer Comment (2018-03-28): Received Attestation letter
 03/28/2018     1 A [Redacted] AL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203114904 [Redacted] [Redacted] 5975696 [Redacted] [Redacted] Compliance Compliance Federal Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Safe Harbor requirements not met due to address variation on AVM provided.           2 B [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203114904 [Redacted] [Redacted] 5976982 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing a Third Party tax prepared, CPA prepared Business Expense Statement or a borrower prepared Profit and Loss Statements, which is less than 90-days old at the time closing. (P&L's in file are for a different company name) 29.95% DTI on this Bank Statement documentation loan < 45% guideline max

$10,309.30 Residual Income on a Bank Statement loan		 Reviewer Comment (2018-03-28): Received Credit Risk Summary & Exception Approval. Income Documentation missing: Missing Documentation from CPA stating 35% liabilities and P&L from Sloan Investments. Compensating Factors: 1) DTI. 2) Payment Shock. 3) Residual Income.
     03/28/2018 2 B [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203114904 [Redacted] [Redacted] 5977020 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Amendment Fee.  Fee Amount of $35.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77165) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-03-28): Received Attestation letter
 03/28/2018     1 A [Redacted] AL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203114904 [Redacted] [Redacted] 6000801 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $132.50 exceeds tolerance of $100.00 plus 10% or $110.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) Revised upon receipt of Attestation letter       03/28/2018   1 A [Redacted] AL Primary Purchase Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203114904 [Redacted] [Redacted] 6000802 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $340.95 exceeds tolerance of $260.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Revised upon receipt of Attestation letter       03/28/2018   1 A [Redacted] AL Primary Purchase Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203116551 [Redacted] [Redacted] 5988473 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.16959% exceeds Guideline total debt ratio of 45.00000%. 48.17% > 45% Portfolio Select program.   Lender's 46.49% > 45%.   Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: $7,689.72 residual income and stable employment history Borrower on this full documentation loan has a disposable income of $7,533.82 > $2,000.00 guideline minimum. Reviewer Comment (2018-03-29): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: $7,689.72 residual income and stable employment history
     03/29/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203116551 [Redacted] [Redacted] 5988483 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203116551 [Redacted] [Redacted] 5988859 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-05): rec'd e-consent
 04/05/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203116551 [Redacted] [Redacted] 6006705 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. [Redacted] .   Reviewer Comment (2018-04-05): rec'd seller's CD
 04/05/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203116551 [Redacted] [Redacted] 6018008 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification 3rd Party within 10 days of closing - [Redacted]   Reviewer Comment (2018-04-05): Rec'd third party verification within 10 days.
 04/05/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203116551 [Redacted] [Redacted] 6084332 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] The seller's CD reflects $23,310 whereas the borrower's CD reflects $3,691.17           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203116552 [Redacted] [Redacted] 5976736 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203116552 [Redacted] [Redacted] 5976743 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $475.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $10.00 Lender credit for tolerance.       03/24/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203116552 [Redacted] [Redacted] 5976744 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-05): received
 04/05/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203116552 [Redacted] [Redacted] 5990749 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses a higher $12,604.85 Real Estate Commission Seller Broker fee paid by Seller at closing vs. net total $12,404.85 net amount paid by Seller at closing disclosed on Seller CD   Buyer Comment (2018-03-30): Please recalculate the fees because they match the $12,604.85. Thank you
       2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203116553 [Redacted] [Redacted] 5974321 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A C A     C A     No
203116553 [Redacted] [Redacted] 5983227 [Redacted] [Redacted] Credit Guideline Guideline Issue Asset verification is less than 2 months verified as required by guidelines. [Redacted]     Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A C A     C A     No
203116554 [Redacted] [Redacted] 5974605 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203116555 [Redacted] [Redacted] 5979544 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
203116555 [Redacted] [Redacted] 5979646 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not reflect a Lender credit for $15.00 tolerance.   Reviewer Comment (2018-04-05): Received Attestation Letter
 04/05/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203116555 [Redacted] [Redacted] 5979651 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Digital Storage Fee.  Fee Amount of $15.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219) $15.00 Title - Digital Storage Fee not disclosed on Loan Estimate dated [Redacted] but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $15.00 tolerance.   Reviewer Comment (2018-04-05): Received Attestation Letter
 04/05/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203116555 [Redacted] [Redacted] 5983585 [Redacted] [Redacted] Credit Loan Package Documentation Loan File Missing Document: Hazard Insurance Policy not provided   Missing condominium blanket policy documenting 100% of the insurable replacement cost of the project improvements and common elements.  Loan file contained evidence of only HO-6 hazard policy coverage   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
203116555 [Redacted] [Redacted] 5984382 [Redacted] [Redacted] Credit System General Flood Certificate Subject Address does not match Note address.   Subject address per Note [Redacted].  Subject address per Flood Certificate [Redacted]   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
203116555 [Redacted] [Redacted] 5991315 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses a  $105.00 Municipal Lien Search fee paid by Seller at closing that is not disclosed on Seller's CD           2 B [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM Yes
203116555 [Redacted] [Redacted] 5993121 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing verification prior residence [Redacted] sold documenting [Redacted] paid off as a result of sale and Borrower has no further financial obligation in property,   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
203116555 [Redacted] [Redacted] 6091443 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Received Attestation Letter   Reviewer Comment (2018-04-05): Received Attestation Letter
 04/05/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203116556 [Redacted] [Redacted] 6001442 [Redacted] [Redacted] Compliance Compliance State Compliance Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold Minnesota Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of 5% of Total Loan Amount.             2 B [Redacted] MN Investment Refinance - Cash-out - Other   B B A A B B A A N/A N/A No
203116556 [Redacted] [Redacted] 6001443 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 6.61540% or Final Disclosure APR of 6.66300% is in excess of allowable threshold of USTreasury 2.8400% + 3%, or 5.84000%.  Compliant Subprime Loan.             2 B [Redacted] MN Investment Refinance - Cash-out - Other   B B A A B B A A N/A N/A No
203116557 [Redacted] [Redacted] 6006858 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 56.78071% exceeds Guideline total debt ratio of 45.00000%. DTI > 45% guideline max; Lender exception approval not provided.  Lender did not include PITI for departing residence in total debt calculation.   Reviewer Comment (2018-04-09): Rec'd lease and evidence of security deposit/first month's rent.
 04/09/2018     1 A [Redacted] FL Primary Purchase   C B C A C B A A Non QM Non QM No
203116557 [Redacted] [Redacted] 6007099 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. ATR fail as debt ratio exceeds guideline requirements.   Reviewer Comment (2018-04-09): cleared with compliance re-run
 04/09/2018     1 A [Redacted] FL Primary Purchase   C B C A C B A A Non QM Non QM No
203116557 [Redacted] [Redacted] 6007124 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign agreement and or evidence of E-sign Agreement signature date is missing.   Reviewer Comment (2018-04-09): recd e-consent
 04/09/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A C B A A Non QM Non QM No
203116557 [Redacted] [Redacted] 6007191 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $14,804.50 while Borrower CD seller's fees total $12,204.50.           2 B [Redacted] FL Primary Purchase   C B C A C B A A Non QM Non QM Yes
203116557 [Redacted] [Redacted] 6044963 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Loan is ATR risk due to failing to meet debt ratio guidelines.   Reviewer Comment (2018-04-09): cleared with compliance re-run
 04/09/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Non QM Non QM Yes
203116557 [Redacted] [Redacted] 6121406 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Added upon compliance re-run.           2 B [Redacted] FL Primary Purchase   C B C A C B A A Non QM Non QM Yes
203116559 [Redacted] [Redacted] 5991580 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203116559 [Redacted] [Redacted] 5991830 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Initial Loan Estimate dated [Redacted] was electronically provided on [Redacted] prior to Borrower's consent to receive electronic disclosures on [Redacted]   Reviewer Comment (2018-04-05): Rec'd e-consent dated 12/5/17.
 04/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C A C A B A C A Non QM Non QM No
203116559 [Redacted] [Redacted] 5991831 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $790.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $290.00 Lender credit for tolerance.       03/27/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A B A C A Non QM Non QM Yes
203116559 [Redacted] [Redacted] 6011071 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing copy of current [Redacted] bank statement account (per 1003) confirming Borrower now occupying subject as primary.   Reviewer Comment (2018-04-11): Cashout meets reserves.
 04/11/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203116561 [Redacted] [Redacted] 6003549 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203116561 [Redacted] [Redacted] 6022728 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C B B A C A Non QM Non QM No
203116561 [Redacted] [Redacted] 6027628 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.05657% exceeds Guideline total debt ratio of 45.00000%. 47.06% DTI > 45% Non-Prime program.   Lender's 46.95% > 45%.  Lender's Credit Risk Summary & Exception Approval.  Compensating factors: $4,390.69 residual income and 21 years stable employment Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx

Borrower has job stability for ## years as an (Job Title).		 Reviewer Comment (2018-03-30): Lender's Credit Risk Summary & Exception Approval.  Compensating factors: $4,390.69 residual income and 21 years stable employment
     03/30/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203116561 [Redacted] [Redacted] 6030631 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] VVOE - Employment Only Within 10 days of closing   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203116562 [Redacted] [Redacted] 5982135 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203116562 [Redacted] [Redacted] 5993923 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 655 is less than Guideline representative FICO score of 660. 655 < 660 [Redacted] Statement [Redacted]% LTV Cash Out Refinance program.  Exception not acknowledged by Lender. 39% DTI on this bank statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $7500		 Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18
     04/05/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203116562 [Redacted] [Redacted] 5993954 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B B A C A Non QM Non QM No
203116564 [Redacted] [Redacted] 5995302 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A C A A A C A N/A N/A No
203116564 [Redacted] [Redacted] 6018950 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing copy of Borrower and Co-borrower's current Visa's under Non-Prime Foreign national program   Reviewer Comment (2018-03-30): Not required for Canada
 03/30/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A C A A A C A N/A N/A No
203116565 [Redacted] [Redacted] 6001481 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B C A B B C A Non QM Non QM No
203116565 [Redacted] [Redacted] 6001616 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203116565 [Redacted] [Redacted] 6001617 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. [Redacted] Loan Assumable per Note.  Closing Disclosure discloses loan is not assumable.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203116565 [Redacted] [Redacted] 6001935 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $389.58 Reimbursement for HOA Resale paid by Seller at closing that is not disclosed on Consumer CD           2 B [Redacted] TX Primary Purchase   C B C A B B C A Non QM Non QM Yes
203116565 [Redacted] [Redacted] 6057545 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Telephone Listing / Internet Search / Directory Assistance Within 10 days of closing   Reviewer Comment (2018-04-09): Rec'd post-closing internet printout dated 4/4/18.
 04/09/2018     1 A [Redacted] TX Primary Purchase   C B C A B B C A Non QM Non QM No
203116566 [Redacted] [Redacted] 6000575 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [Redacted]             2 B [Redacted] CT Primary Purchase   C B C B B B A A Non QM Non QM No
203116566 [Redacted] [Redacted] 6000579 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) Connecticut Non-Prime Home Loan: APR on subject loan of 8.01710% or Final Disclosure APR of 8.05700% is in excess of allowable threshold of APOR 4.03% + 1.5%, or 5.53000%.  Compliant Loan.             2 B [Redacted] CT Primary Purchase   C B C B B B A A Non QM Non QM No
203116566 [Redacted] [Redacted] 6016356 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.23660% exceeds Guideline total debt ratio of 45.00000%. 48.24% > 45% Non-Prime program.   Lender's 49.05% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 688 credit score and 9.90% payment shock. XXX representative FICO score > XXX guideline minimum - XX points above guideline minimum Reviewer Comment (2018-03-30): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 688 credit score and 9.90% payment shock.
     03/30/2018 2 B [Redacted] CT Primary Purchase   C B C B B B A A Non QM Non QM No
203116567 [Redacted] [Redacted] 5975952 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] UT Primary Purchase   C B A A B B C A Non QM Non QM No
203116567 [Redacted] [Redacted] 5976083 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $[Redacted] Seller's Broker, $1,461.00 Title - Owner's Coverage, $300.00 Title - Settlement / Escrow and $75.00 Release fees not disclosed on Consumer's CD   Reviewer Comment (2018-04-06): Rec’d LOE, corrected CD and evidence of emailing.
   04/06/2018   2 B [Redacted] UT Primary Purchase   C B A A B B C A Non QM Non QM Yes
203116569 [Redacted] [Redacted] 6005664 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203116569 [Redacted] [Redacted] 6042645 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Bank Statements - Personal File is missing statements from [Redacted].  Guidelines require 12 months consecutive personal bank statements for platinum program. Based on income worksheet lender used 2016 bank statements in place of [Redacted] bank statements. DTI, payment shock, residual income.

29.25% DTI on this bank statement documentation loan < 45% guideline max 15.75% below program guideline maximum

Borrowers have residual income of $10,279.05, in excess of guideline requirement of $3,000.		 Reviewer Comment (2018-05-09): Client has elected to waive requirement for the missing bank statement.  Credit Risk Summary & Exception Approval provided.  Comp factors: Residual income; low DTI; low paayment shock


Reviewer Comment (2018-05-06): The statement provided is from [Redacted].  The statement required is the one covering [Redacted].  Exception remains.


Buyer Comment (2018-05-04): Please see attached April and May statements to span the period of time missing. Thank you.


Reviewer Comment (2018-05-03): Using the 12 month period from January 2017 through December of 2017; the [Redacted] has not been provided and is required.  All other 2017 statements have been provided.


Reviewer Comment (2018-04-09): Rec'd duplicates of statements in file.  Missing June, 2016 through May, 2017.
     05/09/2018 2 B [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203116569 [Redacted] [Redacted] 6043096 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   File is missing complete 12 month rental payment history.  File contains most recent 7 months from [Redacted].  Lender supplied statements from [Redacted], however, these are a year prior to last statement [Redacted] and do not meet the 12 month housing payment history. 29.25% DTI on this bank statement documentation loan < 45% guideline max 15.75% below program guideline maximum

Borrowers have residual income of $10,279.05, in excess of guideline requirement of $3,000.		 Reviewer Comment (2018-05-21): Received exception approval for housing history based on DTI, payment shock, and residual income
     05/21/2018 2 B [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203116569 [Redacted] [Redacted] 6043157 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 654 is less than Guideline representative FICO score of 660. 654 qualifying FICO is < 660 minimum for platinum personal bank statement program.  Guidelines requires use of lower score of all borrowers for bank statement documentation.  Lender exception approval was not provided. DTI, payment shock, residual income. Reviewer Comment (2018-04-09): Rec'd exception for credit score < program requirements.
     04/09/2018 2 B [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203116570 [Redacted] [Redacted] 6000136 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] IN Investment Purchase   C A C A A A C A N/A N/A No
203116570 [Redacted] [Redacted] 6032123 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: 1003 Final not provided   Final 1003 provided is illegible; please provide a legible copy of the Final signed 1003.   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] IN Investment Purchase   C A C A A A C A N/A N/A No
203116570 [Redacted] [Redacted] 6032423 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   File is missing verification that property at [Redacted] is owned free & clear; 2016 tax return claimed interest expense.   Reviewer Comment (2018-05-12): Received Sitex and Recorded deed showing property in borrower's spouse's name, and the recorded deed showing same.  Additionally, no mortgage on borrower's credit report


Reviewer Comment (2018-04-05): Received Sitex showing property had a Loan taken out for $[Redacted] in [Redacted] (Conventional) need payment information
 05/12/2018     1 A [Redacted] IN Investment Purchase   C A C A A A C A N/A N/A No
203116571 [Redacted] [Redacted] 6004836 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.29530% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 243. DTI > maximum allowed. Compensating Factors: 1) Credit History. 2) Stable Employment History. Borrower has job stability for 13 years as a [Redacted]. Reviewer Comment (2018-04-02): Compensating Factors: 1) Credit History. 2) Stable Employment History.
     04/02/2018 2 B [Redacted] AZ Second Home Purchase   C B C B B B C A Non QM Non QM No
203116571 [Redacted] [Redacted] 6004889 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AZ Second Home Purchase   C B C B B B C A Non QM Non QM No
203116571 [Redacted] [Redacted] 6005039 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $565.00 exceeds tolerance of $475.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         03/28/2018   1 A [Redacted] AZ Second Home Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203116571 [Redacted] [Redacted] 6005226 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign Consent Agreement missing   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] AZ Second Home Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203116571 [Redacted] [Redacted] 6044038 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] [Redacted]   Reviewer Comment (2018-04-09): Rec’d LOE, corrected CD and evidence of emailing.
   04/09/2018   2 B [Redacted] AZ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203116571 [Redacted] [Redacted] 6047432 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F Line 4 is missing figure for number or months   Reviewer Comment (2018-04-09): Rec’d LOE, corrected CD and evidence of emailing.
   04/09/2018   2 B [Redacted] AZ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203116572 [Redacted] [Redacted] 5980488 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203116573 [Redacted] [Redacted] 5989576 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] OH Primary Purchase No Defined Cure B A A A B A A A Non QM Non QM No
203116575 [Redacted] [Redacted] 6000216 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203116575 [Redacted] [Redacted] 6000615 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203116575 [Redacted] [Redacted] 6000616 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [Redacted] Disclosure reflects $1,520.30 homeowner's insurance premium.  Should be $1,520.40 @ $126.67 per month           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203116575 [Redacted] [Redacted] 6000619 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer's CD discloses $5,330.86 in Property Taxes [paid by Seller at closing that is not disclosed on Seller's CD           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203116575 [Redacted] [Redacted] 6018486 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.18043% exceeds Guideline total debt ratio of 45.00000%. 48.06% DTI > 45% Portfolio Select Bank Statement program.   Lender's 47.38% > 45%. Exception not acknowledged by Lender. 770 representative FICO score > 660 guideline minimum Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18
     04/05/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203116575 [Redacted] [Redacted] 6018759 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.             2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203116575 [Redacted] [Redacted] 6018760 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum.   Exception not acknowledged by Lender.   Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18
 04/05/2018     1 A [Redacted] TX Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203116575 [Redacted] [Redacted] 6018761 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum.   Exception not acknowledged by Lender.   Reviewer Comment (2018-04-05): Received Credit Risk Summary & Exception approval 4/5/18
 04/05/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203116575 [Redacted] [Redacted] 6019828 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (77223) Final Closing Disclosure discloses a Lender credit for tolerance.       03/29/2018   1 A [Redacted] TX Primary Purchase Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203116575 [Redacted] [Redacted] 6021229 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   No verified housing history.  Borrower live rent free per Borrower's letter of explanation regarding current residence. Rent free not allowed under [Redacted] Statement program.   Lender's Credit Risk Summary & Exception Approval in file for housing history requirements not met.   Compensating factors: 770 credit score and 20 years stable employment history. Borrower has employment stability for ## years in the (Industry Name).

XXX representative FICO score > XXX guideline minimum - XX points above guideline minimum		 Reviewer Comment (2018-03-29): Lender's Credit Risk Summary & Exception Approval in file for housing history requirements not met.   Compensating factors: 770 credit score and 20 years stable employment history.
     03/29/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203116576 [Redacted] [Redacted] 5981258 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] WI Primary Purchase   C A A A B A C A Non QM Non QM No
203116576 [Redacted] [Redacted] 5981425 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] WI Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203116577 [Redacted] [Redacted] 5985722 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] OH Primary Purchase   C A A A A A C A Non QM Non QM No
203116578 [Redacted] [Redacted] 6005288 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Refinance - Rate/Term   C A C A A A C A Non QM Non QM No
203116578 [Redacted] [Redacted] 6057860 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Telephone Listing / Internet Search / Directory Assistance Missing 3rd party Verification within 10 days of closing, documentation provided is 11 days   Reviewer Comment (2018-04-09): Rec'd printout dated 1/25/18.


Buyer Comment (2018-04-04): Third party done on [Redacted] - 10 days prior to closing.
 04/09/2018     1 A [Redacted] TX Primary Refinance - Rate/Term   C A C A A A C A Non QM Non QM No
203116579 [Redacted] [Redacted] 5994906 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AL Primary Purchase   C B A A B B C A Non QM Non QM No
203116579 [Redacted] [Redacted] 6009563 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-05): rec'd e-consent
 04/05/2018     1 A [Redacted] AL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203116579 [Redacted] [Redacted] 6023502 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD disclosed a $6.00 higher Recording fee amount, $3,400.00 Tap into Water & Sewer fee and $1,000.00 City Sewer fee paid by Seller at closing that are not disclosed on Consumer's CD           2 B [Redacted] AL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203116580 [Redacted] [Redacted] 5990175 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203116580 [Redacted] [Redacted] 5990641 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-04-09): rec'd disclosure signed by the lender
 04/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B C B C B C A Non QM Non QM Yes
203116580 [Redacted] [Redacted] 5990644 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)         03/27/2018   1 A [Redacted] TX Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203116580 [Redacted] [Redacted] 5990685 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203116580 [Redacted] [Redacted] 6006370 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Insurance Prepaid Other 1 Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Insurance Prepaid - Other under Prepaids. [Redacted] Closing Disclosure collected 12 months prepaid on insurance policy as well as additional prepaid on current policy.           2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203116580 [Redacted] [Redacted] 6015728 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   $1,248.80 overtime income used to qualify for Borrower with < 2 year earning history.   Income docs in file support 1 year (2017) earning overtime between current and prior employer.  Lender's 44% DTI based on base income + $1,248.80 overtime amount based on a 7 month average of 7 months overtime earnings.  DTI 56% based on $4,506.67 base income with no overtime. Payment shock, reserves, residual income. Reviewer Comment (2018-04-09): Received Credit Risk Summary & Exception approval 4/9/18
     04/09/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203116580 [Redacted] [Redacted] 6015994 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 566 is less than Guideline representative FICO score of 580. 566 (per Lender's credit report) < 580 Non-Prime Cash Out Refinance 75% Payment shock, reserves, residual income. Reviewer Comment (2018-04-09): Rec'd exception for credit score < program requirements.
     04/09/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203116580 [Redacted] [Redacted] 6016555 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   Note error:  Subject address is incorrect. Subject address [Redacted] per Note.  Subject address [Redacted] per Title work and Certified Tax Certificate (p 273)   Reviewer Comment (2018-04-23): Received docs correcting street address to [Redacted].
 04/23/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM Yes
203116580 [Redacted] [Redacted] 6016659 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure discloses a $25.00 Lender credit for Appraisal Re-Inspection fee tolerance. Final Closing Disclosure does not reflect a Lender credit for $4.50 tolerance.   Reviewer Comment (2018-04-09): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203116580 [Redacted] [Redacted] 6016660 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Final Closing Disclosure discloses a $150.00 Lender credit for tolerance.   Reviewer Comment (2018-04-09): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203116580 [Redacted] [Redacted] 6016661 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) $4.50 Title - Policy GuarantyFee not disclosed on Loan Estimate dated 12/29/2017 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $4.50 tolerance.   Reviewer Comment (2018-04-09): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/09/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203116580 [Redacted] [Redacted] 6016668 [Redacted] [Redacted] Compliance Compliance Federal Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Note error:  Subject address is incorrect. Subject address [Redacted] per Note.  Subject address [Redacted] per Title work and Certified Tax Certificate (p 273)   Reviewer Comment (2018-04-23): Received corrected docs
 04/23/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203121970 [Redacted] [Redacted] 6021864 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203121970 [Redacted] [Redacted] 6021896 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203121970 [Redacted] [Redacted] 6062250 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Bank Statements Missing 1 months bank statements showing Co-borrower's receipt of Social Security Income used to qualify [Redacted] LTV < 85 guideline max

Borrower on this Full documentation loan has a disposable income of $4300		 Reviewer Comment (2018-04-23): Received Credit Risk Summary & Exception approval 4/23/18


Buyer Comment (2018-04-12): Co-borrower is of full retirement age.  We have the his award letter.  His Social Security income is on the tax returns.  We believe this is sufficient documentation of his Social Security Income.   Please review and advise.
     04/23/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203121970 [Redacted] [Redacted] 6063160 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 51.16089% exceeds Guideline total debt ratio of 45.00000%. 51.16% > 45% Portfolio Select.  51.16% includes $656.70 calculated payment (1% x balance) on [Redacted] Student Loan Balance.   A payment is not included in Lender's 44.55% DTI.  Account deferred to 1/1/2019, less than 12 months from [Redacted] closing date.  Student loan payments that are deferred for more than twelve (12) months from the date of closing can be excluded from the borrower’s monthly debt obligation under Portfolio Select. [Redacted] LTV < 85 guideline max

Borrower on this Full documentation loan has a disposable income of $4300		 Reviewer Comment (2018-04-23): Received Credit Risk Summary & Exception approval 4/23/18 Using the app date for the > 12 mos deferment of student loan


Reviewer Comment (2018-04-09): Section 5.8 of guideline specifies more than 12 months from the date of closing.


Buyer Comment (2018-04-04): Please note application date is 1/2018, is 12 months from 1/2019.  Underwriter used application date versus funding date.  Please advise.
     04/23/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203121970 [Redacted] [Redacted] 6063245 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-04-23): Received Credit Risk Summary & Exception approval 4/23/18
 04/23/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203121970 [Redacted] [Redacted] 6063246 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-04-23): Received Credit Risk Summary & Exception approval 4/23/18
 04/23/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203121971 [Redacted] [Redacted] 6023288 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM No
203121971 [Redacted] [Redacted] 6023518 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign consent form not provided   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203121971 [Redacted] [Redacted] 6023519 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-1,000.00. (9300) Page 2 of Final Closing Disclosure has changed Lender Credit to include $1,000 credit for increase in Closing Costs.   Reviewer Comment (2018-04-23): Rec'd LOE, corrected CD and evidence of emailing.


Buyer Comment (2018-04-09): Please see the bottom of page 2 that shows the lender credit. Thank you


Reviewer Comment (2018-04-09): The LE and initial CD reflect a $1,000 lender credit.  The final CD reflects a $1,000 tolerance cure.  Missing evidence of $1,000 lender credit.
   04/23/2018   2 B [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203121974 [Redacted] [Redacted] 6014329 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203121974 [Redacted] [Redacted] 6014341 [Redacted] [Redacted] Credit Credit General Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted]0 based on the title evidence in file.     Reviewer Comment (2018-04-09): Received amended Title Commitment
 04/09/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203121974 [Redacted] [Redacted] 6014664 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Settlement Service Provider List not provided.   Reviewer Comment (2018-04-24): Received tracking tool, need a copy of the disclosure.
       2 B [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203121974 [Redacted] [Redacted] 6052298 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] VVOE - Employment Only Missing VVOE dated within 10 days of the note date. 22% DTI on this Full documentation loan < 45%

Borrower has job stability for 17 years as an [Redacted].		 Reviewer Comment (2018-04-23): Received Credit Risk Summary & Exception approval 4/23/18


Reviewer Comment (2018-04-09): Received VVOE dated 2/13/18 Note date [Redacted]
     04/23/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203121974 [Redacted] [Redacted] 6052365 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. The ARM Disclosure is not dated.  Used borrower's signature date of 1/10/18.   Reviewer Comment (2018-04-10): Received internal tracking showing emailed to borrower 1/5/18


Reviewer Comment (2018-04-09): Received ARM Disclosure with borrower signature of 1/10/18
 04/10/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203121975 [Redacted] [Redacted] 6018348 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C A C A A A C A Non QM Non QM No
203121975 [Redacted] [Redacted] 6057121 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided       Reviewer Comment (2018-04-16): Paid thru BK, received pay history


Buyer Comment (2018-04-10): Mortgage was paid through Chapter 13 see Bk Papers


Reviewer Comment (2018-04-09): Received Mortgage Statement not VOM
 04/16/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Debt Consolidation   C A C A A A C A Non QM Non QM No
203121976 [Redacted] [Redacted] 6015562 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A A A B A C A Non QM Non QM No
203121976 [Redacted] [Redacted] 6015996 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Sign Agreement with borrower's consent is not evident.   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C A A A B A C A Non QM Non QM No
203121977 [Redacted] [Redacted] 6022606 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $575.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         03/29/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C A C A B A C A Non QM Non QM Yes
203121977 [Redacted] [Redacted] 6022607 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not in file.   Reviewer Comment (2018-04-12): rec'd e-consent
 04/12/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C A C A B A C A Non QM Non QM No
203121977 [Redacted] [Redacted] 6022656 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C A C A B A C A Non QM Non QM No
203121977 [Redacted] [Redacted] 6063271 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing gap report / credit refresh dated within 10 days of closing.   Reviewer Comment (2018-04-09): received
 04/09/2018     1 A [Redacted] FL Primary Purchase   C A C A B A C A Non QM Non QM No
203121977 [Redacted] [Redacted] 6063448 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   The final CD is dated by the borrowers [Redacted]  The loan closed [Redacted]   Reviewer Comment (2018-04-12): Rec'd CD signed by borrowers 3/5/18.
 04/12/2018     1 A [Redacted] FL Primary Purchase   C A C A B A C A Non QM Non QM No
203121979 [Redacted] [Redacted] 6014997 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other   C B C A C B C A Non QM Non QM No
203121979 [Redacted] [Redacted] 6015138 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.48730% or Final Disclosure APR of 7.52400% is in excess of allowable threshold of APOR 3.90% + 1.5%, or 5.40000%.  Non-Compliant Rate Spread Home Loan.     Reviewer Comment (2018-04-05): Received Attestation that fee is based on loan amount
 04/05/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other   C B C A C B C A Non QM Non QM No
203121979 [Redacted] [Redacted] 6015139 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium.     Reviewer Comment (2018-04-05): Received Attestation that fee is based on loan amount
 04/05/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other   C B C A C B C A Non QM Non QM No
203121979 [Redacted] [Redacted] 6015502 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed an Appraised Property Value that did not match the actual Property Value for the loan. [Redacted] Closing Disclosure Property Value [Redacted] < > [Redacted] 1004 Appraised Value.           2 B [Redacted] NC Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203121979 [Redacted] [Redacted] 6059988 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Valuation:   Missing valuation supporting [Redacted] value used for [Redacted] LTV   Reviewer Comment (2018-04-10): Received corrected 1008/approval with appraised value of [Redacted]


Reviewer Comment (2018-04-09): received 1008, approval and CRE, unable to determine source of value
 04/10/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other   C B C A C B C A Non QM Non QM No
203121979 [Redacted] [Redacted] 6080893 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.48730% or Final Disclosure APR of 7.52400% is in excess of allowable threshold of APOR 3.90% + 1.5%, or 5.40000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Refinance - Cash-out - Other   C B C A C B C A Non QM Non QM No
203121980 [Redacted] [Redacted] 6016310 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.59 is less than Guideline PITIA months reserves of 3.00. Credit Risk Summary & Exception Approval in file, page 329. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Stable Employment History. Housing Ratio of 24.71% < 40% maximum Reviewer Comment (2018-04-03): Compensating Factors: 1) DTI. 2) Stable Employment History.
     04/03/2018 2 B [Redacted] AL Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C A Non QM Non QM No
203121980 [Redacted] [Redacted] 6016313 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C A Non QM Non QM No
203121980 [Redacted] [Redacted] 6016477 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (77173)         03/29/2018   1 A [Redacted] AL Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B C B B A C A Non QM Non QM Yes
203121980 [Redacted] [Redacted] 6016519 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign Consent Agreement   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B B A C A Non QM Non QM No
203121980 [Redacted] [Redacted] 6058019 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] P&L Statement     Reviewer Comment (2018-05-21): received P&L dated 12/31/17


Reviewer Comment (2018-04-16): Rec'd P & L indicated to be "Monthly P & L Statement" for the month ending 7/17.  Need P & L clearly covering the period of 1/1/17 through 12/31/17. (Note:  the P & L provided is unclear.  Unable to determine if it covers the month of July or YTD through July).


Buyer Comment (2018-04-10): P&L attached


Reviewer Comment (2018-04-09): Rec'd 2017 Balance Sheet.  Need 2017 P & L.


Buyer Comment (2018-04-06): Please review docs uploaded on 4/4/2018  - uploaded P & L 2016 for 2016 tax return & P & L 2017 statement.


Buyer Comment (2018-04-04): uploaded  P & L 2016 from 2016 tax return, and P & L 2017 statement.
 05/21/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C A Non QM Non QM No
203121981 [Redacted] [Redacted] 6018456 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Home Improvement   C A C A B A C A Non QM Non QM No
203121981 [Redacted] [Redacted] 6018748 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign consent form not provided   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Home Improvement No Defined Cure C A C A B A C A Non QM Non QM No
203121981 [Redacted] [Redacted] 6050993 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] 1084 or income worksheet     Reviewer Comment (2018-04-20): removed self employment income
 04/20/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Home Improvement   C A C A B A C A Non QM Non QM No
203121982 [Redacted] [Redacted] 6029073 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203121982 [Redacted] [Redacted] 6029387 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Missing Home Loan Toolkit disclosure.   Reviewer Comment (2018-04-09): Received internal snapshot showing mailed 2/9/18
 04/09/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203121982 [Redacted] [Redacted] 6029389 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] [Redacted]           2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM Yes
203121982 [Redacted] [Redacted] 6029390 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Missing Settlement Service Providers list.   Reviewer Comment (2018-04-09): Received last page of CD dated 2/26/18, No SSPS provided at this time
       2 B [Redacted] TX Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203121982 [Redacted] [Redacted] 6029392 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) Cure for Title - Policy Guarantee Fee of $4.50 was not provided. Fee not disclosed on Loan Estimate.   Reviewer Comment (2018-04-09): Received attestation letter
 04/09/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203121982 [Redacted] [Redacted] 6029477 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $4.50   Reviewer Comment (2018-04-09): Received attestation letter
 04/09/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203121982 [Redacted] [Redacted] 6063122 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.63 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval in file, page 230. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. 33.097% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $22,606.63		 Reviewer Comment (2018-04-03): Compensating Factors: 1) DTI. 2) Residual Income.
     04/03/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203121982 [Redacted] [Redacted] 6063325 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Proof of e-consent not received.   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203121983 [Redacted] [Redacted] 6027031 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203121983 [Redacted] [Redacted] 6027055 [Redacted] [Redacted] Credit System General Flood Certificate Subject Address does not match Note address.   [Redacted]   Reviewer Comment (2018-04-23): Documentation provided indicating that either city name is acceptable.


Buyer Comment (2018-04-13): Title reflects city as [Redacted].  When USPS is pulled using [Redacted], the mailing address comes up as [Redacted].  In checking other websites, either [Redacted] is acceptable for the address.  Please review, and advise.
 04/23/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203121983 [Redacted] [Redacted] 6027369 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign Consent Agreement.   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other No Defined Cure C A C A B A C A Non QM Non QM No
203121984 [Redacted] [Redacted] 6030870 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $615.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         03/30/2018   1 A [Redacted] AZ Primary Purchase Final CD evidences Cure B A A A B A A A Non QM Non QM Yes
203121984 [Redacted] [Redacted] 6030885 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not in file.   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] AZ Primary Purchase No Defined Cure B A A A B A A A Non QM Non QM No
203121986 [Redacted] [Redacted] 6024814 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Rider - ARM not provided   Loan file is missing the Interest-only ARM Rider.   Reviewer Comment (2018-04-09): received
 04/09/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B A A Non QM Non QM No
203121986 [Redacted] [Redacted] 6024983 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign consent agreement was not provided.   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B A A Non QM Non QM No
203121986 [Redacted] [Redacted] 6024985 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Number of months for property tax prepaid amount was left blank.   Reviewer Comment (2018-04-10): Rec'd LOE, corrected CD and evidence of emailing.
   04/10/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203121986 [Redacted] [Redacted] 6025045 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Recording fee exceeds 10% tolerance; no cure provided.           2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203121986 [Redacted] [Redacted] 6025046 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] Initial Closing Disclosure was not provided.   Reviewer Comment (2018-04-10): Received CD dated 02/22/2018
 04/10/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B A A Non QM Non QM No
203121986 [Redacted] [Redacted] 6025047 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $415.00 exceeds tolerance of $358.00 plus 10% or $393.80.  Insufficient or no cure was provided to the borrower. (0) Recording fee exceeds 10% tolerance; no COC or cure provided.   Reviewer Comment (2018-04-27): A corrected post close CD, letter of explanation, copy of the refund check and evidence of delivery have been provided.
   04/27/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Non QM Non QM Yes
203121986 [Redacted] [Redacted] 6064204 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property Tax fee was disclosed in incorrect section of CD.  Fee was disclosed in Section C and should have been in Section H.   Reviewer Comment (2018-04-27): The post close CD provided still reflects property taxes shown in Section C.
       2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure C B C B C B A A Non QM Non QM Yes
203121986 [Redacted] [Redacted] 6064247 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Borrower is unable to provide verification of January 2018 mortgage payment; it was paid in cash.  Credit Risk Summary & Exception Approval in file, page 316, Housing history requirements not met. Compensating Factors: 1)   Credit score 2) DTI  3) LTV 4) Residual income. 708 representative FICO score > 660 guideline minimum - 48 points above guideline minimum

29.02% DTI on this Business bank statement documentation loan < 45% guideline max - 15.98% below program guideline maximum

Borrower on this Business bank statement documentation loan has a disposable income of $26,916.45		 Reviewer Comment (2018-04-03): Lender exception approval provided.
     04/03/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B A A Non QM Non QM No
203121987 [Redacted] [Redacted] 6012690 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] WI Primary Refinance - Cash-out - Debt Consolidation   C A A A C A C A Non QM Non QM No
203121987 [Redacted] [Redacted] 6012834 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign Consent Agreement   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] WI Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C A A A C A C A Non QM Non QM No
203121987 [Redacted] [Redacted] 6047224 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on [Redacted] contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation 7.828% vs 7.992% APR   Reviewer Comment (2018-04-10): Received tracking info showing CD received by Borrower 02/20/2018.
 04/10/2018     1 A [Redacted] WI Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C A A A C A C A Non QM Non QM No
203121988 [Redacted] [Redacted] 6023911 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Home Improvement   C B A A C B C A Non QM Non QM No
203121988 [Redacted] [Redacted] 6023941 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not provided   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Home Improvement No Defined Cure C B A A C B C A Non QM Non QM No
203121988 [Redacted] [Redacted] 6052105 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Liability After Foreclosure Missing TILA-RESPA Integrated Disclosure - Other Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Liability After Foreclosure statement. [Redacted] Box was not checked off   Reviewer Comment (2018-04-09): Rec’d LOE, corrected CD and evidence of emailing.
   04/09/2018   2 B [Redacted] WA Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203121989 [Redacted] [Redacted] 6010208 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203121990 [Redacted] [Redacted] 6021256 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203121991 [Redacted] [Redacted] 6028128 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.36656% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 468, DTI > maximum allowed. Compensating Factors: 1) LTV       2)Payment shock 3) Reserves 4) Residual income. [Redacted] LTV < 80% guideline max

7.14 months reserves > 3 months guideline minimum

Borrower on this Full documentation loan has a disposable income of $2,216.69		 Reviewer Comment (2018-04-03): Lender exception approval provided.
     04/03/2018 2 B [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203121991 [Redacted] [Redacted] 6028129 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203121991 [Redacted] [Redacted] 6028351 [Redacted] [Redacted] Compliance Compliance State Compliance Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.     Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203121991 [Redacted] [Redacted] 6028366 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Sign Agreement is not evident.   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B C A Non QM Non QM No
203121991 [Redacted] [Redacted] 6028688 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed an Appraised Property Value that did not match the actual Property Value for the loan. [Redacted] Appraisal report dated [Redacted] reflects appraised value of [Redacted] however, Final CD reflects appraised value of [Redacted]  Appraised value per Approval and 1008 is also [Redacted]           2 B [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203121992 [Redacted] [Redacted] 6023419 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203121992 [Redacted] [Redacted] 6023521 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [Redacted] Received confirmation for the primary appraisal being sent out, however this is for the AVM/Secondary valuation   Reviewer Comment (2018-04-06): The borrower was provided a copy of the AVM at closing.
 04/06/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203121992 [Redacted] [Redacted] 6023546 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-05): Received
 04/05/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203121992 [Redacted] [Redacted] 6023547 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Finance Charge that does not match the actual finance charge for the loan. [Redacted] Disclosure reflects Finance Charges of  [Redacted] however calculated Finance Charges reflects [Redacted]   Reviewer Comment (2018-04-24): Rec’d LOE, corrected CD and evidence of emailing.  Under-disclosure was due to a refundable pad that was not charged to the borrower at closing, no violation.
   04/24/2018   2 B [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203121992 [Redacted] [Redacted] 6032461 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on [Redacted] disclosed a Pad fee that was not allocated to a specific cost or service performed. [Redacted] Section H, Line 03 discloses $250.00 Refundable Escrow Pad fee paid by Borrower at closing.   Reviewer Comment (2018-04-24): Rec’d LOE, corrected CD and evidence of emailing.  Refundable pad was not charged to the borrower at closing, no violation.
   04/24/2018   2 B [Redacted] CA Primary Purchase Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B C B C B C A Non QM Non QM Yes
203121992 [Redacted] [Redacted] 6032462 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Consumer CD discloses a $15.00 higher Title - Courier Fee paid by Seller at closing not disclosed on Seller's CD.  Seller's CD discloses $6,621.63 Property Taxes, $650.00 Home Warranty and $99.00 Hazard Disclosure fee paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM Yes
203121992 [Redacted] [Redacted] 6032569 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted], VVOE - Employment Only Missing current YTD pay stub issued by [Redacted]. to Co-borrower and VVOE within 10 days of closing on [Redacted]   Reviewer Comment (2018-04-23): Received last paystub for the year


Buyer Comment (2018-04-12): Uploaded last paystub from the end of December for Karin


Reviewer Comment (2018-04-05): VVOE for Airwaves cleared, as borrower works for spouse, missing YTD paystub  (Tina)
 04/23/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203121992 [Redacted] [Redacted] 6032853 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $450,364.48 is less than Cash From Borrower $468,649.34. [Redacted]   Reviewer Comment (2018-05-21): Received escrow receiot


Reviewer Comment (2018-05-01): Received a copy of $29,450.68 wire confirmation but it is dated after bank statements in file. Need confirmation of where wire was taken from and current balance in that account.


Reviewer Comment (2018-04-24): Rec'd evidence of funds wired to closing.  Verified assets of $[Redacted] are still less than cash from borrower of $[Redacted].
 05/21/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203121992 [Redacted] [Redacted] 6032927 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.96279% exceeds Guideline total debt ratio of 45.00000%. 48.96% > 45% Portfolio Select program.  Lender's 49.48% < 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: [Redacted] LTV and $11,332.02 residual income Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx Reviewer Comment (2018-03-30): Compensating factors: [Redacted] LTV and $11,332.02 residual income
     03/30/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203121993 [Redacted] [Redacted] 6030960 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203121993 [Redacted] [Redacted] 6031358 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing electronic disclosure consent   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A C A B A C A Non QM Non QM No
203121993 [Redacted] [Redacted] 6063417 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   The loan file is missing verification of taxes for properties: [Redacted].  The file does not contain a mortgage statement for property at [Redacted] – unable to determine if HOI and taxes are escrowed.   Reviewer Comment (2018-04-09): Rec'd tax statements and evidence taxes and insurance were included in qualifying payment.


Buyer Comment (2018-04-04): Uploaded copy of u/w email re: [Redacted]


Buyer Comment (2018-04-04): Uploaded property taxes statements for these properties.
 04/09/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203121994 [Redacted] [Redacted] 6012476 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation   C A A A B A C A Non QM Non QM No
203121994 [Redacted] [Redacted] 6012503 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign consent agreement was not provided.   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C A A A B A C A Non QM Non QM No
203121995 [Redacted] [Redacted] 6029327 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203121995 [Redacted] [Redacted] 6029351 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Disclosure not in file   Reviewer Comment (2018-05-01): Evidence of borrower's consent has been provided.
 05/01/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203121995 [Redacted] [Redacted] 6029352 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed an Appraised Property Value that did not match the actual Property Value for the loan. [Redacted] Appraised property value on FInal CD is [Redacted] however the 1004 appraisal shows a value of [Redacted]           2 B [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203121995 [Redacted] [Redacted] 6029353 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Recording fee added to the CD and no change of circumstance is in file.   Reviewer Comment (2018-05-01): Lender provided attestation that the recording service fee was required by the borrower's chosen provider.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203121995 [Redacted] [Redacted] 6029354 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $8.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee not found on LE, COC's do not mention fee. No tolerance cure provided to borrower.   Reviewer Comment (2018-05-01): Lender provided attestation that the recording service fee was required by the borrower's chosen provider.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203121995 [Redacted] [Redacted] 6064456 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of  is less than Guideline PITIA months reserves of 6.00. Missing Borrower Assets, Bank statements provided for assets are for [Redacted] 21.29% DTI on this bank statement documentation loan < 45% guideline max - 23.71% below program guideline maximum.

[Redacted]% LTV < 80% guideline max -  $[Redacted] more equity than required by program guidelines

753 representative FICO score > 660 guideline minimum - 93 points above guideline minimum.		 Reviewer Comment (2018-05-01): Client has elected to waive the reserve requirement.  Comp factors:  DTI, credit score, LTV.
     05/01/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203121996 [Redacted] [Redacted] 6025981 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203121996 [Redacted] [Redacted] 6026104 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $0.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)         03/30/2018   1 A [Redacted] OH Primary Refinance - Cash-out - Other Final CD evidences Cure C A A A A A C A Non QM Non QM Yes
203121997 [Redacted] [Redacted] 6022171 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203121997 [Redacted] [Redacted] 6022317 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-09): rec'd e-consent
 04/09/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203121997 [Redacted] [Redacted] 6022417 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses $9,202.72 Property Tax and $664.00 HOA fees paid by Seller at closing.  Seller CD discloses both fees paid by Seller prior to closing.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203124007 [Redacted] [Redacted] 5984929 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-03-28): Received paid invoice for appraisal paid before bank statements
 03/28/2018     1 A [Redacted] MS Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203124007 [Redacted] [Redacted] 5986943 [Redacted] [Redacted] 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.             2 B [Redacted] MS Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203124007 [Redacted] [Redacted] 5987013 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. [Redacted] Note discloses assumption allowed.  Closing Disclosure discloses assumption not allowed. Acknowledgement that Loan Assumptions Are Not Permitted  signed by Borrower(s) is not in file.           2 B [Redacted] MS Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203124007 [Redacted] [Redacted] 5992525 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $3,683.60 is less than Cash From Borrower $3,938.67. $3,683.60 verified liquid assets for closing < $3,938.67 cash required to close   Reviewer Comment (2018-03-28): Received Invoice for Appraisal, paid prior to Bank Statements
 03/28/2018     1 A [Redacted] MS Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203124007 [Redacted] [Redacted] 5996914 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: [Redacted] For Sole Proprietorship   Reviewer Comment (2018-03-28): Not using income/no longer required
 03/28/2018     1 A [Redacted] MS Primary Refinance - Rate/Term   C B C A B B C A Non QM Non QM No
203124008 [Redacted] [Redacted] 5985559 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose figures for prepaid interest under Prepaids. [Redacted] Section F, Line 03, Prepaid Interest to date field is blank           2 B [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203124008 [Redacted] [Redacted] 5985579 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   [Redacted] total dwelling coverage < [Redacted] cost to rebuild and [Redacted] original loan amount.   Evidence of 100% Guaranteed Replacement Cost not documented.  Lender Documented Insured Value  not in file.   Reviewer Comment (2018-04-05): Insurer cost calculations provided.
 04/05/2018     1 A [Redacted] AZ Primary Purchase   C B C A B B C A Non QM Non QM No
203124008 [Redacted] [Redacted] 5985580 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] AZ Primary Purchase   C B C A B B C A Non QM Non QM No
203124008 [Redacted] [Redacted] 5995587 [Redacted] [Redacted] Credit Assets Asset Documentation Missing Document: Asset Documentation not provided   Missing signed final settlement statement or Closing Disclosure confirming sale of departing residence, [Redacted], confirm sale, payoff of [Redacted] and receipt of estimated [Redacted] net proceeds to Borrower per unsigned Seller's Estimated Settlement Statement in file (p 489)   Reviewer Comment (2018-04-05): Received signed document.
 04/05/2018     1 A [Redacted] AZ Primary Purchase   C B C A B B C A Non QM Non QM No
203124008 [Redacted] [Redacted] 5996110 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $450,364.48 is less than Cash From Borrower $468,649.34. [Redacted]   Reviewer Comment (2018-05-21): Received Final CD from Sale of previous residence
 05/21/2018     1 A [Redacted] AZ Primary Purchase   C B C A B B C A Non QM Non QM No
203124008 [Redacted] [Redacted] 5996172 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Missing verification 6 months ($31,906.74) PITI reserves under [Redacted] Statement  program   Reviewer Comment (2018-05-21): Received Final CD from Sale of previous residence
 05/21/2018     1 A [Redacted] AZ Primary Purchase   C B C A B B C A Non QM Non QM No
203124009 [Redacted] [Redacted] 5987095 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203124009 [Redacted] [Redacted] 5987266 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not reflect a Lender credit for $70.00 tolerance.   Reviewer Comment (2018-04-05): Evidence of refund provided.
   04/05/2018   2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203124009 [Redacted] [Redacted] 5987267 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $250.00 exceeds tolerance of $180.00.  Insufficient or no cure was provided to the borrower. (75103) $180.00 Appraisal Re-Inspection Fee disclosed on Loan Estimates dated [Redacted] and Initial Closing Disclosure dated [Redacted].  $250.00 Appraisal Re-Inspection Fee amount disclosed on Final Closing Disclosure dated [Redacted]  Valid Change of Circumstance not in file. Final Closing Disclosure does not reflect a Lender credit for $70.00 tolerance.   Reviewer Comment (2018-04-05): Evidence of refund provided.
   04/05/2018   2 B [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203145542 [Redacted] [Redacted] 6040493 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A A A C A C A Non QM Non QM No
203145542 [Redacted] [Redacted] 6047859 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $300   Reviewer Comment (2018-04-10): Received Change of Circumstance dated 01/19/2018
 04/10/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203145542 [Redacted] [Redacted] 6047860 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $4,200.00 exceeds tolerance of $3,900.00.  Insufficient or no cure was provided to the borrower. (7325) The origination fee increased from $3,900 to $4,200 with no valid change of circumstance.   Reviewer Comment (2018-04-10): Received Change of Circumstance dated 01/19/2018
 04/10/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203145544 [Redacted] [Redacted] 6040821 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145544 [Redacted] [Redacted] 6042034 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Rental Income Documentation - Schedule E Method Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for [Redacted].  Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) Lease agreement not in file.   Reviewer Comment (2018-05-18): REMOVED [REDACTED] AS [Redacted] REPORT SHOWS IT IS OWNED BY [REDACTED]


Reviewer Comment (2018-05-18): Lease provided is for [Redacted], - subject property per application and tax returns is [Redacted]


Reviewer Comment (2018-04-25): With comp factors


Reviewer Comment (2018-04-16): Rec'd exception:  Borrower's company has been leasing property from him for 2 years.  Reflected on tax returns.  OK to proceed.
 05/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145544 [Redacted] [Redacted] 6042036 [Redacted] [Redacted] 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. [Redacted] No proof of receipt provided and no acknowledgement signed at close.           2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145544 [Redacted] [Redacted] 6042037 [Redacted] [Redacted] 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. [Redacted] No proof of receipt provided and no acknowledgement signed at close.           2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145544 [Redacted] [Redacted] 6042058 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - REO Schedule E Method Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method) using reasonably reliable third-party records. (Non-Subject Investment/Schedule E) Lease not provided.   Reviewer Comment (2018-05-18): REMOVED [Redacted] AS [Redacted] REPORT SHOWS IT IS OWNED BY [Redacted]


Reviewer Comment (2018-04-25): Not a clear, cannot waive on a HPQM


Reviewer Comment (2018-04-16): Lease requirement waived.
 05/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145544 [Redacted] [Redacted] 6042059 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. ATR fail. Lease agreement not provided.   Reviewer Comment (2018-05-18): REMOVED[Redacted] AS [Redacted] REPORT SHOWS IT IS OWNED BY [Redacted]


Reviewer Comment (2018-04-25): Cannot waive on HPQM


Reviewer Comment (2018-04-16): Lease requirement waived.
 05/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145544 [Redacted] [Redacted] 6042060 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Fail. ATR fail. Lease agreement not provided.   Reviewer Comment (2018-05-18): REMOVED [Redacted] AS [Redacted] REPORT SHOWS IT IS OWNED BY [Redacted]
 05/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203145544 [Redacted] [Redacted] 6042064 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $12.50   Reviewer Comment (2018-04-16): Rec'd LOE and corrected CD.
   04/16/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203145544 [Redacted] [Redacted] 6077121 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $425.00 exceeds tolerance of $375.00 plus 10% or $412.50.  Insufficient or no cure was provided to the borrower. (0) Recording fee increased from $375 to $425. No Change in Circumstance provided.   Reviewer Comment (2018-04-16): Rec'd Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD
   04/16/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203145544 [Redacted] [Redacted] 6083039 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] VVOE - Employment Only Missing Vvoe within 10 days of the Note for the Co-Borrower. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-25): Received exception approval for VVOE, borrower has WVOE within 17 days
     04/25/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145544 [Redacted] [Redacted] 6083111 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for City Property Tax under Prepaids. [Redacted] Section F Line 5           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203145545 [Redacted] [Redacted] 6045189 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203145545 [Redacted] [Redacted] 6045317 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.58568% exceeds Guideline total debt ratio of 45.00000%. 48.59% > 45% Portfolio Select program.  Lender's 48.60% > 45%.  Lender's Credit Risk Summary & Exception Approval.   Compensating factors: Credit history, 37.96% housing ratio, additional income not used. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-04): Lender's Credit Risk Summary & Exception Approval.   Compensating factors: Credit history, 37.96% housing ratio, additional income not used.
     04/04/2018 2 B [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203145546 [Redacted] [Redacted] 6039908 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C A A A C A C A Non QM Non QM No
203145546 [Redacted] [Redacted] 6040206 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Fees were not disclosed on Loan Estimate and are not paid to the same provider as other fees that were disclosed on the LE.  COC provided is not sufficient to cure.   Reviewer Comment (2018-04-23): Received Attestation letter
 04/23/2018     1 A [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203145546 [Redacted] [Redacted] 6040207 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent Only).  Fee Amount of $550.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77168) Fee was not disclosed on Loan Estimate and is not paid to the same provider as other fees that were disclosed on the LE.  COC provided is not sufficient to cure.   Reviewer Comment (2018-04-23): Received Attestation letter
 04/23/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203145546 [Redacted] [Redacted] 6040208 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7727) Fee was not disclosed on Loan Estimate and is not paid to the same provider as other fees that were disclosed on the LE.  COC provided is not sufficient to cure.   Reviewer Comment (2018-04-23): Received Attestation letter
 04/23/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203145547 [Redacted] [Redacted] 6056989 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Flood Certification is missing from loan file.   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] IL Primary Purchase   C B C A B B A A Non QM Non QM No
203145547 [Redacted] [Redacted] 6057689 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 03/01/2018, Transaction Transaction date [Redacted] hazard insurance effective date 3/1/18.   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] IL Primary Purchase   C B C A B B A A Non QM Non QM No
203145547 [Redacted] [Redacted] 6060392 [Redacted] [Redacted] 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. [Redacted] Missing evidence borrower was provided the secondary valuation at least 3 business days prior to consummation.           2 B [Redacted] IL Primary Purchase   C B C A B B A A Non QM Non QM No
203145548 [Redacted] [Redacted] 6042702 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203145548 [Redacted] [Redacted] 6043986 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. The disclosure is not dated.  Used borrower's signature date.   Reviewer Comment (2018-04-09): Received internal checklist showing mailed on 1/19/18
 04/09/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203145548 [Redacted] [Redacted] 6082910 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing gap report / credit refresh dated within 10 days of closing.   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203145548 [Redacted] [Redacted] 6083145 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] P&L Statement Missing 2017 P & L for borrower. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-26): Received exception approval, borrower only contracts for 1 company and 1099 was provided, allowed to make exception to guidelines, borrower has 0x30 mortgage history in 24 months and over 7 months of reserves


Reviewer Comment (2018-04-26): Need 2017 1099 for [Redacted] to complete Exception waiver.


Reviewer Comment (2018-04-23): Received exception approval for [Redacted], need 2017 P&L for[Redacted].
     04/26/2018 2 B [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203145548 [Redacted] [Redacted] 6083180 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. [Redacted] The final CD discloses the loan is not assumable, the note contains assumption language.   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203145550 [Redacted] [Redacted] 6045602 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203145550 [Redacted] [Redacted] 6046565 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Sign Agreement is not evident.   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203145550 [Redacted] [Redacted] 6046686 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $10,760.00, while closing CD seller's fees total $39,750.00.   Reviewer Comment (2018-04-10): Rec'd LOE, corrected CD and evidence of emailing.
   04/10/2018   2 B [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203145550 [Redacted] [Redacted] 6046692 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $211.00 exceeds tolerance of $184.00 plus 10% or $202.40.  Sufficient or excess cure was provided to the borrower at Closing. (0)         04/02/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203145551 [Redacted] [Redacted] 6036032 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NC Primary Purchase   C B A A B B C A Non QM Non QM No
203145551 [Redacted] [Redacted] 6036040 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.44470% or Final Disclosure APR of 6.44800% is in excess of allowable threshold of APOR 4.17% + 1.5%, or 5.67000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Purchase   C B A A B B C A Non QM Non QM No
203145552 [Redacted] [Redacted] 6027674 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] VA Primary Purchase   C B A A C B C A Higher Priced QM Safe Harbor QM No
203145552 [Redacted] [Redacted] 6028214 [Redacted] [Redacted] 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. [Redacted]             2 B [Redacted] VA Primary Purchase   C B A A C B C A Higher Priced QM Safe Harbor QM No
203145552 [Redacted] [Redacted] 6028233 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.   Reviewer Comment (2018-04-04): Received amended data tape
 04/04/2018     1 A [Redacted] VA Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Higher Priced QM Safe Harbor QM Yes
203145552 [Redacted] [Redacted] 6063877 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. [Redacted]             2 B [Redacted] VA Primary Purchase   C B A A C B C A Higher Priced QM Safe Harbor QM No
203145552 [Redacted] [Redacted] 6075596 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received amended data tape           2 B [Redacted] VA Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Higher Priced QM Safe Harbor QM Yes
203145553 [Redacted] [Redacted] 6052219 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 36.47068% exceeds Guideline housing ratio of 35.00000%. 36.47% > 35% max front ratio Jumbo Prime program.  Lender's 35.12% > 35%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 714 Credit score, Credit history, Housing payment decreasing $199.17 per month, [Redacted]% LTV, 12 months reserves, $17,499.40 residual income Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-05): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 714 Credit score, Credit history, Housing payment decreasing $199.17 per month, [Redacted]% LTV, 12 months reserves, $17,499.40 residual income.
     04/05/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C B A A Higher Priced QM Safe Harbor QM No
203145553 [Redacted] [Redacted] 6052543 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. [Redacted] Valuation received dated [Redacted] Valuation report date           2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C B A A Higher Priced QM Safe Harbor QM No
203145553 [Redacted] [Redacted] 6052627 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.   Reviewer Comment (2018-04-25): received updated data tape


Reviewer Comment (2018-04-23): Received uploaded data tape, no loan number provided.


Buyer Comment (2018-04-11): uploaded a copy of the data tape showing  as Safe Harbor QM
 04/25/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203145553 [Redacted] [Redacted] 6052628 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Closing Disclosure Closing Date [Redacted] Closing Date,   Note, Mortgage and Final Closing Disclosure dated [Redacted] acknowledged by Borrower on [Redacted]           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203145553 [Redacted] [Redacted] 6052629 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F, line 05, # of mos. field is blank.  $12,176.58 Property Taxes paid by Borrower at closing disclosed.           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203145553 [Redacted] [Redacted] 6052631 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not disclose a Lender cure credit for $225.00 tolerance.   Reviewer Comment (2018-04-23): Rec'd LOE, corrected CD and evidence of emailing.
   04/23/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203145553 [Redacted] [Redacted] 6087491 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C B C B C B A A Higher Priced QM Safe Harbor QM No
203145553 [Redacted] [Redacted] 6094306 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for CA Housing Fee.  Fee Amount of $225.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $225.00 California Housing Fee not disclosed on Loan Estimates dated [Redacted] but disclosed as $325.00 on Initial Closing Disclosure dated [Redacted] and $225.00 on Final Closing Disclosure.    Valid Change of Circumstance for required fee under CA Affordable Housing Bill. Final Closing Disclosure discloses a $225.00 Lender cure credit for tolerance.   Reviewer Comment (2018-04-23): Rec'd LOE, corrected CD, copy of refund check and proof of delivery.


Buyer Comment (2018-04-12): Uploaded Cure documents for CA Affordable Housing fee, which is part of the recording fee.  Total cure is $123.
   04/23/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203145553 [Redacted] [Redacted] 6123565 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Esign Consent Agreement Timing ESIGN Act - Closing Disclosure provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Received E-Sign dated 1/25/18           2 B [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C B C B C B A A Higher Priced QM Safe Harbor QM No
203145553 [Redacted] [Redacted] 6123568 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Received E-Sign dated 1/25/18           2 B [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C B C B C B A A Higher Priced QM Safe Harbor QM No
203145553 [Redacted] [Redacted] 6123569 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Received E-Sign dated 1/25/18           2 B [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C B C B C B A A Higher Priced QM Safe Harbor QM No
203145553 [Redacted] [Redacted] 6123570 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Received E-Sign dated 1/25/18           2 B [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C B C B C B A A Higher Priced QM Safe Harbor QM No
203145553 [Redacted] [Redacted] 6289023 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. received updated data tape           2 B [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Safe Harbor QM Yes
203145554 [Redacted] [Redacted] 6038487 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   C B C B     C A     No
203145554 [Redacted] [Redacted] 6077947 [Redacted] [Redacted] Credit Guideline Guideline Issue Representative credit score is < 680 and assets were not used to close.   Credit Risk Summary & Exception Approval in file, page 268. Credit Score < program requirements. Compensating Factors: 1) Credit History. 2) LTV. LTV of [Redacted]% <  55% maximum Reviewer Comment (2018-04-04): Compensating Factors: 1) Credit History. 2) LTV.
     04/04/2018 2 B [Redacted] TX Investment Refinance - Cash-out - Other   C B C B     C A     No
203145555 [Redacted] [Redacted] 6030152 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for City Property Tax under Prepaids. [Redacted] Number of months for City/County prepaid taxes was left blank.   Reviewer Comment (2018-04-11): Rec'd LOE, corrected CD and evidence of emailing.
   04/11/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203145555 [Redacted] [Redacted] 6069522 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Lender exception approval granted to use VOM in lieu of required cancelled checks for verification of housing payment history.  Credit Risk Summary & Exception Approval (pg. 320) with comp factors: 721 FICO, 19.99% DTI, Housing payment decreasing by $2000.00/mo., [Redacted]% LTV, 7 months reserves, high residual income, and 5 years self-employed. [Redacted]% LTV < 90% guideline max

721 representative FICO score > 660 guideline minimum - 61 points above guideline minimum

20.563% DTI on this Personal bank statement documentation loan < 45% guideline max - 24% below program guideline maximum

Borrower on this Personal bank statement documentation loan has a disposable income of $31,393.98.

Borrower's mortgage payment decreased by $2,041.03 per month.		 Reviewer Comment (2018-04-04): Lender exception approval provided.
     04/04/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B B B A A Non QM Non QM No
203145555 [Redacted] [Redacted] 6070356 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification File is missing third party verification of business existence within 10 days of closing.   Reviewer Comment (2018-04-12): Rec'd SOS dated 2/21/18.


Reviewer Comment (2018-04-09): Received letter from accountant dated 1/19/18, [Redacted] dated [Redacted], and articles of Inc. dated [Redacted]  Note date is [Redacted]
 04/12/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B B B A A Non QM Non QM No
203145556 [Redacted] [Redacted] 6038499 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
203145556 [Redacted] [Redacted] 6038726 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.59830% or Final Disclosure APR of 6.60000% is in excess of allowable threshold of APOR 4.17% + 1.5%, or 5.67000%.  Non-Compliant Rate Spread Home Loan.     Reviewer Comment (2018-04-10): Lender provided attestation confirming that YSP is based on OPB and not any loan terms. Loan is compliant NC HPML.
 04/10/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
203145556 [Redacted] [Redacted] 6038727 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium.     Reviewer Comment (2018-04-10): Lender provided attestation confirming that YSP is based on OPB and not any loan terms. Loan is compliant NC HPML.
 04/10/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
203145556 [Redacted] [Redacted] 6038728 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] The Seller's final CD total seller paid fee amounts of $17155 is lower than consumer CD seller-paid fees of $18805. Seller CD discloses lower commission rates than provided on final, signed CD.   Reviewer Comment (2018-04-10): Rec'd LOE, corrected CD and evidence of emailing.
   04/10/2018   2 B [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM Yes
203145556 [Redacted] [Redacted] 6038969 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] NC Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203145556 [Redacted] [Redacted] 6147764 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.59830% or Final Disclosure APR of 6.60000% is in excess of allowable threshold of APOR 4.17% + 1.5%, or 5.67000%.  Compliant Rate Spread Home Loan. Lender provided attestation confirming that YSP is based on OPB and not any loan terms. Loan is compliant NC HPML.           2 B [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
203145557 [Redacted] [Redacted] 6040461 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] VA Primary Refinance - Cash-out - Debt Consolidation   C A A A C A C A Non QM Non QM No
203145557 [Redacted] [Redacted] 6040634 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not reflect a Lender credit for $125.00 tolerance.   Reviewer Comment (2018-04-10): Received Attestation letter
 04/10/2018     1 A [Redacted] VA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203145557 [Redacted] [Redacted] 6040635 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) $125.00 Title - Notary fee not disclosed on Loan Estimate dated 1/19/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $125.00 tolerance.   Reviewer Comment (2018-04-10): Received Attestation letter
 04/10/2018     1 A [Redacted] VA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203145558 [Redacted] [Redacted] 6072732 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A Non QM N/A No
203145559 [Redacted] [Redacted] 6033113 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.87 is less than Guideline PITIA months reserves of 3.00. 1.87 months < 3 months Non-Prime program.  Lender's 3 months calculation not supported by asset docs in file. 41.186% < 45% DTI maximum

Borrower on this Full documentation loan has a disposable income of $4,436.16		 Reviewer Comment (2018-04-21): Received Credit Risk Summary & Exception Approval. Calculated PITIA months reserves less than 3. Compensating Factors: 1) Credit Score. 2) DTI. 3) Payment Shock. 4) Residual Income.


Reviewer Comment (2018-04-09): Received printout for [Redacted] Dated 2/13/18, while there was an additional account for $700.53 on form, this predates the most recent statement by 1 day


Buyer Comment (2018-04-05): Please see updated account balances for [Redacted].  I believe the PITIA months reserves were calculated using the [Redacted] statement dated 2/5/2018 showing [Redacted] only had a balance of $986.34.
     04/21/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203145559 [Redacted] [Redacted] 6033114 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203145559 [Redacted] [Redacted] 6033132 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203145560 [Redacted] [Redacted] 6038409 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] WA Primary Purchase   C B C B A A C A Non QM Non QM No
203145560 [Redacted] [Redacted] 6080223 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $258.00 exceeds tolerance of $182.00 plus 10% or $200.20.  Sufficient or excess cure was provided to the borrower at Closing. (0) Sufficient cure provided.       04/04/2018   1 A [Redacted] WA Primary Purchase Final CD evidences Cure C B C B A A C A Non QM Non QM Yes
203145560 [Redacted] [Redacted] 6080224 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $1,000.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Sufficient cure provided.       04/04/2018   1 A [Redacted] WA Primary Purchase Final CD evidences Cure C B C B A A C A Non QM Non QM Yes
203145560 [Redacted] [Redacted] 6094204 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Within 10 days of closing Credit score, DTI Reviewer Comment (2018-04-24): Rec'd exception for missing VVOE within 10 days of closing.


Reviewer Comment (2018-04-18): web search printout 04/11/18 received not dated within 10 days of Note
     04/24/2018 2 B [Redacted] WA Primary Purchase   C B C B A A C A Non QM Non QM No
203145561 [Redacted] [Redacted] 6042524 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-09): Received Post Disaster Inspection – No Damages
     04/09/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145561 [Redacted] [Redacted] 6042782 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145561 [Redacted] [Redacted] 6043252 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Loan documents are dated [Redacted] but mortgage was notarized [Redacted]           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203145561 [Redacted] [Redacted] 6043253 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for City Property Tax under Prepaids. [Redacted] Section F Line 4   Reviewer Comment (2018-04-10): Rec'd LOE, corrected CD and evidence of emailing.
   04/10/2018   2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203145561 [Redacted] [Redacted] 6043714 [Redacted] [Redacted] Compliance Compliance Federal Compliance Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). [Redacted] Missing P&L and Balance Sheet   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145561 [Redacted] [Redacted] 6043716 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. Now -- Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor   Reviewer Comment (2018-04-25): received updated data tape
 04/25/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203145561 [Redacted] [Redacted] 6092652 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $0.00 is less than Cash From Borrower $406,071.42. Missing documentation for Availability of Funds and Transfer of Gift Funds (Guideline 3.10.1).   Reviewer Comment (2018-04-09): Received Wire
 04/09/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203145561 [Redacted] [Redacted] 6092738 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. [Redacted] The Note allows for assumption, however the Closing Disclosure indicates the loan is not assumable. Acknowledgement that Loan Assumptions Are Not Permitted
not found in the file.		   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203145561 [Redacted] [Redacted] 6289033 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. received updated data tape           2 B [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203145562 [Redacted] [Redacted] 6041942 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CO Investment Refinance - Cash-out - Home Improvement   C B C B A A C A N/A N/A No
203145562 [Redacted] [Redacted] 6079033 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.33 is less than Guideline PITIA months reserves of 6.00. Available months reserves is less than 6 months guideline minimum.  Credit Risk Summary & Exception approval with only one comp factor provided (pg. 197).  Comp factor: Credit history Consumer credit payment history is 0x30x47. Reviewer Comment (2018-04-04): Lender Exception approval provided.
     04/04/2018 2 B [Redacted] CO Investment Refinance - Cash-out - Home Improvement   C B C B A A C A N/A N/A No
203145562 [Redacted] [Redacted] 6079042 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor Qualifying Residual income discrepancy. Calculated investor qualifying disposable income of $1,778.11 is less than AUS required disposable income of $2,000.00. Available residual incomes is less $2000.00/mo. guideline minimum.  Credit Risk Summary & Exception approval with only one comp factor provided (pg. 197).  Comp factor: Credit history Consumer credit payment history is 0x30x47. Reviewer Comment (2018-04-04): Lender Exception approval provided.
     04/04/2018 2 B [Redacted] CO Investment Refinance - Cash-out - Home Improvement   C B C B A A C A N/A N/A No
203145564 [Redacted] [Redacted] 6042920 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203145564 [Redacted] [Redacted] 6080911 [Redacted] [Redacted] 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. [Redacted] No proof of receipt of AVM provided in file.   Reviewer Comment (2018-04-12): Rec'd evidence appraisal was emailed 1/29/18.
 04/12/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203145564 [Redacted] [Redacted] 6084881 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Assumption. [Redacted] The Note allows for assumption, however the Closing Disclosure indicates the loan is not assumable. Acknowledgement that Loan Assumptions Are Not Permitted was not found in file.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203145564 [Redacted] [Redacted] 6084882 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Mortgage notary date [Redacted].   Buyer Comment (2018-04-09): Borrower and notary signed all documents on 2/7 please review docs.  Thank you
       2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203145565 [Redacted] [Redacted] 6053106 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $20,375.00 exceeds tolerance of $20,000.00.  Sufficient or excess cure was provided to the borrower at Closing. (7325) Final Closing Disclosure discloses a $664.50  Lender cure credit for $375.00  tolerance       04/03/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203145565 [Redacted] [Redacted] 6053107 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $730.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507) Final Closing Disclosure discloses a $664.50  Lender cure credit for $130.00 tolerance       04/03/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203145565 [Redacted] [Redacted] 6053166 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F, line 05, # of mos. field is blank.  $11,796.83 Property Taxes paid by Borrower at closing disclosed.   Reviewer Comment (2018-04-10): Rec'd LOE, corrected CD and evidence of emailing.
   04/10/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203145565 [Redacted] [Redacted] 6089594 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 75.00000%. [Redacted]% > 75% max Platinum Cash-out Refinance cash in hand > $[Redacted] < $[Redacted].  Per Final Closing Disclosure $[Redacted] cash in hand disbursed to Borrower at closing.  Lender's Credit Risk Summary & Exception Approval in file for maximum [Redacted]% LTV when cash in hand > $[Redacted]  Compensating factors: Credit history, 33.01% DTI, 3% Housing payment decrease, 47 months reserves, $33,220.28 Residual income and 18 years self-employed xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum

Borrower has employment stability for ## years in the (Industry Name).		 Reviewer Comment (2018-04-05): Lender's Credit Risk Summary & Exception Approval in file for maximum 75% LTV when cash in hand > $300,000.00,  Compensating factors: Credit history, 33.01% DTI, 3% Housing payment decrease, 47 months reserves, $33,220.28 Residual income and 18 years self-employed
     04/05/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203145565 [Redacted] [Redacted] 6089659 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of 75.00000%. [Redacted]% > 75% max Platinum Cash-out Refinance cash in hand > $[Redacted].  Per Final Closing Disclosure $[Redacted] cash in hand disbursed to Borrower at closing.  Lender's Credit Risk Summary & Exception Approval in file for maximum [Redacted]% CLTV when cash in hand > $[Redacted],  Compensating factors: Credit history, 33.01% DTI, 3% Housing payment decrease, 47 months reserves, $33,220.28 Residual income and 18 years self-employed xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum

Borrower has employment stability for ## years in the (Industry Name).		 Reviewer Comment (2018-04-05): Lender's Credit Risk Summary & Exception Approval in file for maximum 75% LTV when cash in hand > $300,000.00,  Compensating factors: Credit history, 33.01% DTI, 3% Housing payment decrease, 47 months reserves, $33,220.28 Residual income and 18 years self-employed
     04/05/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203145566 [Redacted] [Redacted] 6034779 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203145566 [Redacted] [Redacted] 6034784 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.61 is less than Guideline PITIA months reserves of 6.00. 2.01 months < 6 months Portfolio Select Bank Statement program.  Lender's 3 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 22.17% DTI and $6,821.40 Residual income. xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum

Guideline variance approved by lender at time of origination		 Reviewer Comment (2018-04-04): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 22.17% DTI and $6,821.40 Residual income.
     04/04/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203145566 [Redacted] [Redacted] 6076008 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses a $205.00 Title - Survey Fee paid by Seller at closing not disclosed on Seller CD.    Erroneous:  $547.00 < $752 ($547.00 at closing + $205.00 before closing)   Reviewer Comment (2018-04-24): Received PCCD dated 04/19/2018 showing Seller paid fees as $547 at closing and $205 prior to closing. Seller CD in file shows $342 at closing and $205 prior to closing.
       2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203145566 [Redacted] [Redacted] 6076166 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not reflect a Lender credit for $230.00 tolerance   Reviewer Comment (2018-04-23): Received attestation
 04/23/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203145566 [Redacted] [Redacted] 6076167 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Translation Fee.  Fee Amount of $230.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $230.00 Translation Fee not disclosed on Loan Estimate dated [Redacted] but disclosed in Section C of Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $230.00 tolerance   Reviewer Comment (2018-04-23): Received attestation
 04/23/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203145567 [Redacted] [Redacted] 6038619 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B A A B B C A Non QM Non QM No
203145567 [Redacted] [Redacted] 6073686 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains a Demand Feature. [Redacted] No selection was made for Demand Feature on Final CD.           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203147965 [Redacted] [Redacted] 6058649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not in file.   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] NM Second Home Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203147965 [Redacted] [Redacted] 6058678 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Seller CD reported $20,439.07 in seller paid fees versus $20,139.07 reported on the final CD.           2 B [Redacted] NM Second Home Purchase   C B A A B B C A Non QM Non QM Yes
203147965 [Redacted] [Redacted] 6058702 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NM Second Home Purchase   C B A A B B C A Non QM Non QM No
203147966 [Redacted] [Redacted] 6055106 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note - Senior Lien not provided       Reviewer Comment (2018-04-09): Received Note for Senior Lien


Buyer Comment (2018-04-09): Note is page 354 in your own package.  Please let me know if there is something else missing.  Thank you
 04/09/2018     1 A [Redacted] GA Primary Purchase   D A D A B A C A Non QM Non QM No
203147966 [Redacted] [Redacted] 6056478 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   Missing evidence Gift funds have been deposited into Borrower's account or transferred from Donor to Borrower   Reviewer Comment (2018-04-09): Received Copy of Wire
 04/09/2018     1 A [Redacted] GA Primary Purchase   D A D A B A C A Non QM Non QM No
203147966 [Redacted] [Redacted] 6056483 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   D A D A B A C A Non QM Non QM No
203147966 [Redacted] [Redacted] 6056909 [Redacted] [Redacted] 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.     Reviewer Comment (2018-04-09): Received internal snapshot showing emailed 1/17/18 and received 1/17/18
 04/09/2018     1 A [Redacted] GA Primary Purchase   D A D A B A C A Non QM Non QM No
203147966 [Redacted] [Redacted] 6056943 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on [Redacted] did not use the same fee terminology as the Loan Estimate. [Redacted] Loan Estimate reflects Title - Attorney Fee but fee is reflected as Settlement Fee on Final Closing Disclosure.   Reviewer Comment (2018-04-11): Data was corrected on subsequent CDs (SFIG)
 04/11/2018     1 A [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D A D A B A C A Non QM Non QM Yes
203147966 [Redacted] [Redacted] 6092436 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $466,578.94 is less than Cash From Borrower $467,059.05. [Redacted]   Reviewer Comment (2018-04-09): Received Wire for Gift Funds
 04/09/2018     1 A [Redacted] GA Primary Purchase   D A D A B A C A Non QM Non QM No
203147966 [Redacted] [Redacted] 6092438 [Redacted] [Redacted] Credit Assets Asset Documentation Asset Issue:  Gift funds are missing evidence of receipt   Missing evidence $22,000.00 Gift fund have been deposited into Borrower's account or transferred from Donor to Borrower required per AUS.  Loan file contains only Gift Letter from related person.   Reviewer Comment (2018-04-09): Received Gift Funds
 04/09/2018     1 A [Redacted] GA Primary Purchase   D A D A B A C A Non QM Non QM No
203147967 [Redacted] [Redacted] 6095649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,390.00 exceeds tolerance of $1,230.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $160.00 Lender cure credit for tolerance       04/05/2018   1 A [Redacted] UT Second Home Refinance - Rate/Term Final CD evidences Cure C B C B A A A A Non QM Non QM Yes
203147967 [Redacted] [Redacted] 6124968 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of [Redacted] is greater than Guideline total cash-out of $0.00. $[Redacted] cash proceeds disbursed to Borrower at approved Rate/Term refinance under Platinum program.   Lender's Credit Risk Summary & Exception Approval in file does not indicate exception approved by Lender.  Subject purchased in cash 2 months prior to closing. 29% DTI on this Alt documentation loan < 45% guideline max

[Redacted]% LTV <  90 guideline max		 Reviewer Comment (2018-04-20): Received Credit Risk Summary & Exception approval 4/20/18


Reviewer Comment (2018-04-18): Exception document is blank under Category and Exception headings.


Buyer Comment (2018-04-12): 4/11 updated and upld revised Lender's credit risk summary & exception approval


Buyer Comment (2018-04-11): 4/11 updated and upld revised Lender's Credit Risk Summary & Exception Approval
     04/20/2018 2 B [Redacted] UT Second Home Refinance - Rate/Term   C B C B A A A A Non QM Non QM No
203147968 [Redacted] [Redacted] 6066296 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203147968 [Redacted] [Redacted] 6066723 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. [Redacted] .           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203147968 [Redacted] [Redacted] 6100254 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lien Search.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $125.00 Title - Lien Search not disclosed on Loan Estimate dated 1/10/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $125.00 tolerance.   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203147968 [Redacted] [Redacted] 6100255 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $310.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) $310.00 Title - Abstract Fee not disclosed on Loan Estimate dated 1/10/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $310.00 tolerance.   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203147968 [Redacted] [Redacted] 6100269 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure discloses a Lender cure credit for $310.00 and $125.00 tolerances   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203147968 [Redacted] [Redacted] 6100800 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.28947% exceeds Guideline total debt ratio of 45.00000%. 45.29% > 45% Portfolio Select Bank Statement program.  Lender's 45.75% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 18.26% front housing ratio, 25.4% payment shock and 7 months reserves Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-06): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 18.26% front housing ratio, 25.4% payment shock and 7 months reserves
     04/06/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203147968 [Redacted] [Redacted] 6101805 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] ClosingDisclosureTotalInterestPercentage(140.17600) > (MathClosingDisclosureTotalInterestPercentage(138.09200) + 0.003)           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203147969 [Redacted] [Redacted] 6050471 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203147970 [Redacted] [Redacted] 6058822 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Credit Report not provided       Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] CA Primary Purchase   D B D B C A C A Non QM Non QM No
203147970 [Redacted] [Redacted] 6058833 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note - Senior Lien not provided       Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] CA Primary Purchase   D B D B C A C A Non QM Non QM No
203147970 [Redacted] [Redacted] 6058851 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-25): Appraisal report dated [Redacted]
     04/25/2018 2 B [Redacted] CA Primary Purchase   D B D B C A C A Non QM Non QM No
203147970 [Redacted] [Redacted] 6060573 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   D B D B C A C A Non QM Non QM No
203147970 [Redacted] [Redacted] 6061323 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $504.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-09): Received attestation Letter
 04/09/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D B C A C A Non QM Non QM Yes
203147970 [Redacted] [Redacted] 6061324 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77190) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-09): Received attestation Letter
 04/09/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D B C A C A Non QM Non QM Yes
203147970 [Redacted] [Redacted] 6061363 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $504 + $150   Reviewer Comment (2018-04-09): Received attestation Letter
 04/09/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D B C A C A Non QM Non QM Yes
203147970 [Redacted] [Redacted] 6061423 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Non QM   Reviewer Comment (2018-04-09): Received Credit Report
 04/09/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status D B D B C A C A Non QM Non QM Yes
203147970 [Redacted] [Redacted] 6061425 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. Missing credit report   Reviewer Comment (2018-04-09): Received Credit Report
 04/09/2018     1 A [Redacted] CA Primary Purchase   D B D B C A C A Non QM Non QM No
203147970 [Redacted] [Redacted] 6061426 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing credit report   Reviewer Comment (2018-04-09): Received Credit Report
 04/09/2018     1 A [Redacted] CA Primary Purchase   D B D B C A C A Non QM Non QM No
203147972 [Redacted] [Redacted] 6062114 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203147972 [Redacted] [Redacted] 6099958 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Title - Endorsement, Title - Lender's Title Insurance and Title - Title Search in Section C should be in Section C.  The provider is on the SSPL.           2 B [Redacted] FL Primary Purchase Good Faith Redisclosure C B C B B B C A Non QM Non QM Yes
203147972 [Redacted] [Redacted] 6100150 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing evidence NSF and overdraft activity has been reviewed for acceptability.  Bank statements reflect 29 NSF / overdraft charges in the last 24 months. 29% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $16,000		 Reviewer Comment (2018-04-09): Received Credit Risk Summary & Exception approval 4/9/18
     04/09/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203147973 [Redacted] [Redacted] 6058784 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 85.00000%. Credit Risk Summary & Exception Approval in file, page 272. LTV: Exceeds maximum allowed by program. Compensating Factor: Reserves. 17.6 months reserves > 6 months guideline minimum - borrowers have verified reserves of $90,234.62 Reviewer Comment (2018-04-06): Compensating Factor: Reserves.
     04/06/2018 2 B [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203147973 [Redacted] [Redacted] 6058861 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203147973 [Redacted] [Redacted] 6059248 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $65.00 + $45.00   Reviewer Comment (2018-04-12): Rec'd 3/5/18 CD.
 04/12/2018     1 A [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203147973 [Redacted] [Redacted] 6059249 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] Missing CD dated 03/05/2018 per Tracking tool.   Reviewer Comment (2018-04-12): Rec'd 3/5/18 CD.
 04/12/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203147973 [Redacted] [Redacted] 6059250 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] [Redacted]           2 B [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM Yes
203147973 [Redacted] [Redacted] 6092440 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Credit Risk Summary & Exception Approval in file, page 272. Credit: Housing history (mortgage/rent) not paid as agreed since credit event. Compensating Factor: Reserves. 17.6 months reserves > 6 months guideline minimum - borrowers have verified reserves of $90,234.62 Reviewer Comment (2018-04-06): Compensating Factor: Reserves.
     04/06/2018 2 B [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203147973 [Redacted] [Redacted] 6099700 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Home Warranty paid by Seller shown in Section C should be in Section H.           2 B [Redacted] GA Primary Purchase Good Faith Redisclosure C B C B C B C A Non QM Non QM Yes
203147973 [Redacted] [Redacted] 6099918 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) Title - Doc Handling Fee to Document Conversion Solution   Reviewer Comment (2018-04-12): Rec'd 3/5/18 CD.
 04/12/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203147973 [Redacted] [Redacted] 6167320 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $550.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         04/12/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203147974 [Redacted] [Redacted] 6053320 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003       Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] FL Investment Purchase   C A C A B A C A N/A N/A No
203147974 [Redacted] [Redacted] 6053353 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 53.76555% exceeds Guideline total debt ratio of 50.00000%. Unable to determine   Reviewer Comment (2018-04-24): Updated with most recent bank statements and correct percentage for usability
 04/24/2018     1 A [Redacted] FL Investment Purchase   C A C A B A C A N/A N/A No
203147974 [Redacted] [Redacted] 6053430 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A C A B A C A N/A N/A No
203147974 [Redacted] [Redacted] 6053554 [Redacted] [Redacted] Credit Data Verification General The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. Investor's qualifying DTI: 53.76555%
QM qualifying DTI: 57.08235%		 Unable to make income match   Reviewer Comment (2018-04-24): Updated input
 04/24/2018     1 A [Redacted] FL Investment Purchase   C A C A B A C A N/A N/A No
203147975 [Redacted] [Redacted] 6100808 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NV Second Home Purchase   C B A A B B C A Non QM Non QM No
203147975 [Redacted] [Redacted] 6101059 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses $673.71 Property Taxes and $155.00 HOA Dues paid by Seller at closing not disclosed on Seller's CD   Reviewer Comment (2018-04-12): The seller's CD reflects $26,176.50 whereas the PC CD reflects $26,192.
       2 B [Redacted] NV Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203147975 [Redacted] [Redacted] 6117034 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-10): Received
 04/10/2018     1 A [Redacted] NV Second Home Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203147976 [Redacted] [Redacted] 6070245 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.23119% exceeds Guideline total debt ratio of 43.00000%. No exception found in file.   Reviewer Comment (2018-04-10): DTI@43.2%, Received Amended data tape changing to Non-QM


Reviewer Comment (2018-04-10): Received Amended data tape changing to Non-QM
 04/10/2018     1 A [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Non QM No
203147976 [Redacted] [Redacted] 6070485 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-04-10): Received Amended data tape changing to Non-QM
 04/10/2018     1 A [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Non QM No
203147976 [Redacted] [Redacted] 6070486 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-04-10): Received Amended data tape changing to Non-QM
 04/10/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Non QM Yes
203147976 [Redacted] [Redacted] 6070487 [Redacted] [Redacted] Compliance Compliance Federal Compliance QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Housing and Total DTI over guidelines.   Reviewer Comment (2018-04-10): Received Amended data tape changing to Non-QM
 04/10/2018     1 A [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Non QM No
203147976 [Redacted] [Redacted] 6070489 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $1,093.75 + $215.00 + $700.00 + $50.00 + $180.00 = $2,238.75 (cure on Final CD is only $1,246.15)   Reviewer Comment (2018-04-16): Cured at closing.
 04/16/2018     1 A [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Higher Priced QM Non QM Yes
203147976 [Redacted] [Redacted] 6070491 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,093.75 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200) Missing CD dated 03/05/2018 per Tracking tool that corresponds with COC page 165 - Customer requested to waive escrows.   Reviewer Comment (2018-04-16): Rec'd 3/5/18 CD.
 04/16/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Higher Priced QM Non QM Yes
203147976 [Redacted] [Redacted] 6098165 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 37.80900% exceeds Guideline housing ratio of 35.00000%. No exception approval found in file. 115 months reserves > 12 months guideline minimum

Borrower on this Full documentation loan has a disposable income of $8100		 Reviewer Comment (2018-04-20): Received Credit Risk Summary & Exception approval 4/20/18
     04/20/2018 2 B [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Non QM No
203147976 [Redacted] [Redacted] 6098995 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7562) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-16): Rec'd attestation letter that fees were paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/16/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Higher Priced QM Non QM Yes
203147976 [Redacted] [Redacted] 6098996 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7565) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-16): Rec'd attestation letter that fees were paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/16/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Higher Priced QM Non QM Yes
203147976 [Redacted] [Redacted] 6148799 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Received Amended data tape changing to Non-QM   Reviewer Comment (2018-04-10): Received Amended data tape changing to Non-QM
 04/10/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Non QM Yes
203147976 [Redacted] [Redacted] 6148895 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Received Amended data tape changing to Non-QM           2 B [Redacted] GA Primary Purchase   C B C B C B A A Higher Priced QM Non QM Yes
203147976 [Redacted] [Redacted] 6206160 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,258.75 exceeds tolerance of $2,766.00 plus 10% or $3,042.60.  Sufficient or excess cure was provided to the borrower at Closing. (0) Cured at closing.       04/16/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B C B C B A A Higher Priced QM Non QM Yes
203147976 [Redacted] [Redacted] 6206161 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Cured at closing.       04/16/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B C B C B A A Higher Priced QM Non QM Yes
203147976 [Redacted] [Redacted] 6206162 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507) Cured at closing.       04/16/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B C B C B A A Higher Priced QM Non QM Yes
203147977 [Redacted] [Redacted] 6050945 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203147977 [Redacted] [Redacted] 6093551 [Redacted] [Redacted] Compliance Compliance State Compliance Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower.             2 B [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203147977 [Redacted] [Redacted] 6093724 [Redacted] [Redacted] Credit Credit Miscellaneous Missing Document: Credit Letter of Explanation (LOE) not provided   Missing detailed letter of explanation from the Borrower regarding [Redacted] Sheriff's sale, redemption [Redacted], first Chapter 13 Bankruptcy filed [Redacted] (dismissed [Redacted]) and second Chapter 13 filed [Redacted] (paid off through closing) Borrower's mortgage payment decreased by $405.86 per month Reviewer Comment (2018-04-24): Received Credit Risk Summary & Exception Approval. Credit Documentation missing. Missing Document: Credit Letter of Explanation (LOE) not provided. Compensating Factors: 1) Credit History. 2) Payment Shock.
     04/24/2018 2 B [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203147978 [Redacted] [Redacted] 6071200 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MN Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203147978 [Redacted] [Redacted] 6071364 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 6.53280% or Final Disclosure APR of 6.57200% is in excess of allowable threshold of USTreasury 2.8500% + 3%, or 5.85000%.  Compliant Subprime Loan.             2 B [Redacted] MN Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203147978 [Redacted] [Redacted] 6071520 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign Consent Agreement   Reviewer Comment (2018-04-10): Received
 04/10/2018     1 A [Redacted] MN Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203147978 [Redacted] [Redacted] 6104201 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.12 is less than Guideline PITIA months reserves of 6.00. Missing verification 6 months ($17,719.74) PITI reserves Portfolio Select Bank Statement program. Lender's 6 months calculation includes $21,319.82 cash proceeds. C/O proceeds cannot be used to meet reserve requirement under Bank Statement program.  Exception not acknowledged by Lender Borrower on this Alt documentation loan has a disposable income of $4300

[Redacted]% LTV < 80 guideline max -		 Reviewer Comment (2018-04-10): Received Credit Risk Summary & Exception approval 4/10/18
     04/10/2018 2 B [Redacted] MN Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203147979 [Redacted] [Redacted] 6087815 [Redacted] [Redacted] Credit Credit Miscellaneous Missing Document: Credit Letter of Explanation (LOE) not provided   Missing detailed letter of explanation from the Borrower regarding Short Sale [Redacted] Residual income, reserves, payment shock, housing payment decreasing. Reviewer Comment (2018-04-16): Rec'd exception for missing LOE for short sale.
     04/16/2018 2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203147979 [Redacted] [Redacted] 6088782 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-16): rec'd e-consent
 04/16/2018     1 A [Redacted] OH Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203147979 [Redacted] [Redacted] 6088981 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203147979 [Redacted] [Redacted] 6206929 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 02/08/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/02/08/2018) e-consent dated 2/9/18           2 B [Redacted] OH Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203147980 [Redacted] [Redacted] 6068009 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.11 is less than Guideline PITIA months reserves of 6.00. 5.11 months ($12,606.13) < 6 months ($14,796.54) Portfolio Select Bank Statement program.  Lender's 7 months calculation not supported by asset verification in file. Borrower on this Bank Statement documentation loan has a disposable income of $6300 Reviewer Comment (2018-04-09): Received Credit Risk Summary & Exception approval 4/9/18
     04/09/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203147980 [Redacted] [Redacted] 6068017 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203147980 [Redacted] [Redacted] 6068141 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses $969.37 Property Taxes and a $40.00 higher Home Warranty fee paid by Seller at closing that are not disclosed on Seller's CD           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203147981 [Redacted] [Redacted] 6083539 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CO Primary Purchase   C B A A B B C A Non QM Non QM No
203147981 [Redacted] [Redacted] 6083945 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-10): Received
 04/10/2018     1 A [Redacted] CO Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203147981 [Redacted] [Redacted] 6083951 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $18.00 Record Statement of Authority fee not disclosed on Consumer's CD   Reviewer Comment (2018-04-12): Rec’d LOE, corrected CD and evidence of emailing.
   04/12/2018   2 B [Redacted] CO Primary Purchase   C B A A B B C A Non QM Non QM Yes
203147981 [Redacted] [Redacted] 6123428 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Closing Disclosure Closing Date [Redacted].  Mortgage dated [Redacted] executed by Borrower [Redacted]           2 B [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203147982 [Redacted] [Redacted] 6068261 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] OH Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203147982 [Redacted] [Redacted] 6068331 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] OH Primary Purchase   C B C B B A C A Non QM Non QM No
203147982 [Redacted] [Redacted] 6106453 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification within 10 days of closing Residual income, payment shock, credit score. Reviewer Comment (2018-04-12): Rec'd exception for missing third party verification within 10 days of closing.


Reviewer Comment (2018-04-12): Rec'd exception form stating income docs missing.  The form needs to specify what income docs are missing.


Reviewer Comment (2018-04-09): Received internet search dated 4/9/18
     04/12/2018 2 B [Redacted] OH Primary Purchase   C B C B B A C A Non QM Non QM No
203147983 [Redacted] [Redacted] 6093546 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C A C A A A C A Non QM Non QM No
203147983 [Redacted] [Redacted] 6113634 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing HOA Error: Subject is located in a project and HOA Information was not provided. Valuation Type: Appraisal / Valuation Report Date: [Redacted] Appraiser shows as detached SFR without a PUD. Title work and mortgage contain information and a PUD rider showing in a PUD.   Reviewer Comment (2018-04-26): Received updated appraisal with PUD and HOA info no other info changed
 04/26/2018     1 A [Redacted] TX Primary Purchase   C A C A A A C A Non QM Non QM No
203147984 [Redacted] [Redacted] 6072652 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203147984 [Redacted] [Redacted] 6073143 [Redacted] [Redacted] 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.             2 B [Redacted] AZ Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203147984 [Redacted] [Redacted] 6073144 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] PCCD dated 03/07/2018 has corrected closing date, missing LOE to Borrower to cure.   Reviewer Comment (2018-05-09): A copy of the post close CD with the correct closing date, a copy of the LOE to the borrower and evidence of delivery have been provided.
   05/09/2018   1 A [Redacted] AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203147984 [Redacted] [Redacted] 6073150 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on [Redacted] disclosed a Pad fee that was not allocated to a specific cost or service performed. [Redacted] PCCD in file dated 03/07/2018 has fee removed, missing Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check to cure.   Reviewer Comment (2018-05-09): A copy of the post close CD that matches the settlement statement has been provided.  No PAD fee was charged, so no refund is due.   Letter of explanation to the borrowers and evidence of delivery of the PCCD have been provided.


Reviewer Comment (2018-04-23): Received settlement statement, still need items listed above.
   05/09/2018   2 B [Redacted] AZ Primary Refinance - Cash-out - Other Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B C B C B C A Non QM Non QM Yes
203147984 [Redacted] [Redacted] 6095691 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   Credit Risk Summary & Exception Approval in file, page 397, Excessive payment shock > maximum allowed. Compensating Factors: 1) Credit score  2)          Reserves 3) Residual income 542 months reserves > 12 months guideline minimum - borrowers have verified reserves of $1,827,836.65

$8,753.83 Residual Income on a Bank Statement loan		 Reviewer Comment (2018-04-06): Compensating Factors: 1) Credit score 2) Reserves 3) Residual income
     04/06/2018 2 B [Redacted] AZ Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203147984 [Redacted] [Redacted] 6095766 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 75.00000%. Guidelines limit Cashout refinances between $[Redacted] to [Redacted]%LTV, Cashout below $[Redacted] limit is [Redacted]% LTV.  No exception found in file. 542 months reserves > 12 months guideline minimum - borrowers have verified reserves of $1,827,836.65

$8,753.83 Residual Income on a Bank Statement loan		 Reviewer Comment (2018-04-09): Received Credit Risk Summary & Exception approval 4/9/18
     04/09/2018 2 B [Redacted] AZ Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203147985 [Redacted] [Redacted] 6090394 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C B C B A A C A N/A N/A No
203147985 [Redacted] [Redacted] 6108055 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Occupancy discrepancy. Property occupancy of Investment does not match Guideline property occupancy of Investment. N/O/O or Investment Properties are not allowed. [Redacted]% LTV < 60 guideline max

Borrower on this Full documentation loan has a disposable income of $24,844		 Reviewer Comment (2018-04-06): Credit Risk Summary & Exception approval p379
     04/06/2018 2 B [Redacted] CA Investment Refinance - Rate/Term   C B C B A A C A N/A N/A No
203147985 [Redacted] [Redacted] 6108437 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 44.28724% exceeds Guideline total debt ratio of 43.00000%. Exceeds allowable for Appendix Q Borrower on this Full documentation loan has a disposable income of $24,844 Reviewer Comment (2018-04-11): Received exception approval for DTI exceeding 43.00% DTI is 46.6%


Reviewer Comment (2018-04-09): Received CRE, however this is Appendix Q, DTI cannot exceed 43%
     04/11/2018 2 B [Redacted] CA Investment Refinance - Rate/Term   C B C B A A C A N/A N/A No
203147986 [Redacted] [Redacted] 6066850 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
203147986 [Redacted] [Redacted] 6066967 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Loan was delivered as higher Priced QM.   Reviewer Comment (2018-04-09): Updated with original data tape
 04/09/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203147986 [Redacted] [Redacted] 6066970 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] [Redacted]           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203147987 [Redacted] [Redacted] 6078467 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.16 is less than Guideline PITIA months reserves of 6.00.   Borrower has employment stability for 12 years in the [Redacted].

34.61% DTI on this full documentation loan < 43% guideline max - 8.39% below program guideline maximum

810 representative FICO score > 680 guideline minimum - 130 points above guideline minimum		 Reviewer Comment (2018-04-26): Client elects to waive 6 month reserve requirement.


Reviewer Comment (2018-04-10): $23,000 of that $123,710.98 is unsourced gift funds/no letters, and an additional deposit that is unsourced per underwriter funds were not to be needed.


Buyer Comment (2018-04-10): The borrowers last bank statement for [Redacted] has a balance of $[Redacted] and the borrower needs $[Redacted] to close which leaves the borrower with $[Redacted]. After which the borrower needs 6 months reserves which the PITI is $2926.62 x6=$17,559.72. So if you subtract the PITI from the remaining balance of $26,495.87-$17,559.72=A$8,936.15 so the borrower had enough reserves.  Please review and clear.  Thank you
     04/26/2018 2 B [Redacted] GA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203147987 [Redacted] [Redacted] 6078469 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203147987 [Redacted] [Redacted] 6078678 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Originator Loan Designation of Higher Priced QM prefilled and copied over to WM   Reviewer Comment (2018-04-10): Received updated tape
 04/10/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203147987 [Redacted] [Redacted] 6123603 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   3 trade lines reporting for 12+ months with activity in last 12 months
OR
2 trade lines reporting for 24+ months with activity in last 12 months
(12 - 24 canceled rent checks may be used for a trade line)		 Borrower has employment stability for 12 years in the [Redacted].

34.61% DTI on this full documentation loan < 43% guideline max - 8.39% below program guideline maximum

810 representative FICO score > 680 guideline minimum - 130 points above guideline minimum		 Reviewer Comment (2018-04-26): Lender elects to waive the requirement for verification of rent.
     04/26/2018 2 B [Redacted] GA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203147987 [Redacted] [Redacted] 6151474 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated tape           2 B [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203147988 [Redacted] [Redacted] 6096078 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.77091% exceeds Guideline total debt ratio of 45.00000%. 48.76% > 45% Platinum program.  Lender's 48.75% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 64 months reserves 443.84 months reserves > 6 months guideline minimum - borrowers have verified reserves of $594,830.07. Reviewer Comment (2018-04-10): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 64 months reserves
     04/10/2018 2 B [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203147988 [Redacted] [Redacted] 6096079 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of $[Redacted] is less than Guideline minimum loan amount of $150,000.00. $[Redacted] < $150,000.00 Platinum program.  Exception not acknowledged by Lender.   Reviewer Comment (2018-04-26): DU


Reviewer Comment (2018-04-26): Underwritten to DU
 04/26/2018     1 A [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203147988 [Redacted] [Redacted] 6096081 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203147988 [Redacted] [Redacted] 6096083 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor Qualifying Residual income discrepancy. Calculated investor qualifying disposable income of $2,394.78 is less than AUS required disposable income of $3,000.00. $2,393.92 < $3,000.00 Platinum program.    Lender's $2,395.04 calculation < $3,000.00.  Exception not acknowledged by Lender.   Reviewer Comment (2018-04-26): Meets DU
 04/26/2018     1 A [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203147988 [Redacted] [Redacted] 6144911 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Closing Disclosure Total Closing Costs Exceeds Limits Amount TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on [Redacted] disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. [Redacted] Initial Closing Disclosure tolerance cure amount field blank.  Final Closing Disclosure disclosed amount $355.65   Reviewer Comment (2018-04-26): Nothing further required.  Upon further review, violation does not apply..
 04/26/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203147988 [Redacted] [Redacted] 6144953 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $424.75 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7567) Fee disclosed in Section C of Loan Estimate but disclosed in Section B of Closing Disclosure.  Provider is not on list as a service provider.   Reviewer Comment (2018-05-07): Updated input
 05/07/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203147988 [Redacted] [Redacted] 6145290 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) $175.00 Appraisal Re-Inspection Fee not disclosed on Loan Estimate dated 7/13/2017 but disclosed on Final Closing Disclosure. Valid Change of Circumstance not provided.   Reviewer Comment (2018-04-26): A valid change of circumstance, post close CD, letter of explanation to the borrower and evidence of delivery have been provided.
   04/26/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203147988 [Redacted] [Redacted] 6145293 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7565) $155.00 Title - Title Examination Fee not disclosed on Loan Estimate dated 7/13/2017 but disclosed in Section B of Final Closing Disclosure. Valid Change of Circumstance not provided.   Reviewer Comment (2018-05-07): Updated input
 05/07/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203147988 [Redacted] [Redacted] 6145550 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $905.00 exceeds tolerance of $750.00 plus 10% or $825.00.  Insufficient or no cure was provided to the borrower. (0) Ten Percent Fee Tolerance exceeded. Total amount of $905.00 exceeds tolerance of $750.00 plus 10% or $825.00.   Reviewer Comment (2018-05-07): Updated input
 05/07/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203147988 [Redacted] [Redacted] 6145629 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure discloses a $355.65 Lender cure credit for tolerance.  $355.65 < $834.75 total tolerance   Reviewer Comment (2018-05-07): Updated input
 05/07/2018     1 A [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203147988 [Redacted] [Redacted] 6147419 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification, VVOE - Employment Only Borrower for Both Sole Proprietorship and Employment 443.84 months reserves > 6 months guideline minimum - borrowers have verified reserves of $594,830.07.

791 representative FICO score > 660 guideline minimum - 131 points above guideline minimum.

[Redacted] LTV < 90%guideline max -  [Redacted] more equity than required by program guidelines		 Reviewer Comment (2018-05-18): Exception approval for VVOE not being within 10 days, both are verified just not within 10 days, did not use income from Beach Haven - approval based on reserves, FICO, and LTV


Reviewer Comment (2018-05-10): Third party verification of borrower's sole proprietorship has been provided, along with Credit Risk Summary & Exception Approval for it not being within 10 days of closing.  Third party verification of borrower's employment with [Redacted] are still required and have not been provided.  Exception waiver will be processed upon receipt of the missing verifications.
     05/18/2018 2 B [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203147988 [Redacted] [Redacted] 6390649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,484.75 exceeds tolerance of $1,203.00 plus 10% or $1,323.30.  Sufficient or excess cure was provided to the borrower at Closing. (0)         05/07/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203147988 [Redacted] [Redacted] 6390651 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)         05/07/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203147989 [Redacted] [Redacted] 6086118 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Purchase Agreement / Sales Contract not provided       Reviewer Comment (2018-04-20): Received Escrow instructions - as addressed by appraiser


Reviewer Comment (2018-04-18): Received Escrow Instructions, need Purchase Agreement.
 04/20/2018     1 A [Redacted] AZ Investment Purchase   D A D A A A C A N/A N/A No
203147989 [Redacted] [Redacted] 6086127 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AZ Investment Purchase   D A D A A A C A N/A N/A No
203147989 [Redacted] [Redacted] 6128748 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Sole Proprietorship   Reviewer Comment (2018-04-24): Rec'd same printout dated 3/7/18.


Reviewer Comment (2018-04-18): Received [Redacted] web search dated 04/11/2018, not dated within 10 days of the Note.
 04/24/2018     1 A [Redacted] AZ Investment Purchase   D A D A A A C A N/A N/A No
203147990 [Redacted] [Redacted] 6083167 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Agreement is not evident.   Reviewer Comment (2018-04-12): rec'd e-consent
 04/12/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203147990 [Redacted] [Redacted] 6083187 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C A A A B A C A Non QM Non QM No
203147991 [Redacted] [Redacted] 6073063 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F Line 5   Reviewer Comment (2018-04-23): PCCD dated 04/11/2018 missing number of months in Section F line 5
       2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203147991 [Redacted] [Redacted] 6073064 [Redacted] [Redacted] 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 [Redacted] prior to three (3) business days from transaction date of [Redacted] Disbursed [Redacted] per CD dated [Redacted]   Reviewer Comment (2018-04-23): Reran compliance
 04/23/2018     1 A [Redacted] 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 C B C B C B A A Non QM Non QM Yes
203147991 [Redacted] [Redacted] 6109298 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Credit Risk Summary & Exception Approval in file, page 267, Cash out using FMV with 11 months on title instead of usual 12 months, Compensating Factors: None provided. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-16): Exception approval for 11 months cashout based on reserves, residual income, stable employment


Reviewer Comment (2018-04-16): with comp factors


Reviewer Comment (2018-04-09): Compensating Factors: None provided.
     04/16/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203147992 [Redacted] [Redacted] 6079228 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203147992 [Redacted] [Redacted] 6084710 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Disclosed TIP 131.054% > Calculated TIP 126.665%.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203147993 [Redacted] [Redacted] 6071751 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Investment Purchase   C A A A     C A     No
203147994 [Redacted] [Redacted] 6078513 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-04-10): Received
 04/10/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C A A A C A C A Non QM Non QM Yes
203147994 [Redacted] [Redacted] 6078537 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-10): Received
 04/10/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C A A A C A C A Non QM Non QM No
203147994 [Redacted] [Redacted] 6107415 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C A A A C A C A Non QM Non QM No
203147995 [Redacted] [Redacted] 6083258 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Purchase   C A A A A A C A Non QM Non QM No
203147995 [Redacted] [Redacted] 6106484 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $600.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $115.00 Lender cure credit for tolerance       04/06/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C A A A A A C A Non QM Non QM Yes
203147996 [Redacted] [Redacted] 6076347 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203147996 [Redacted] [Redacted] 6076461 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses a $5,000.00 Real Estate Transaction Fee paid by Seller at closing that is not disclosed on Seller's CD           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203147996 [Redacted] [Redacted] 6076487 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Disclosed TIP 143.492% > Calculated TIP 139.314%.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203147996 [Redacted] [Redacted] 6076518 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203147996 [Redacted] [Redacted] 6105038 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 634 is less than Guideline representative FICO score of 660. 634 < 660 @ [Redacted]% LTV Portfolio Select Bank Statement program.  Exception not acknowledged by Lender.   634 supports max [Redacted]% LTV Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-09): Received Credit Risk Summary & Exception approval 4/9/18


Reviewer Comment (2018-04-09): Received CRE, it does not address Credit score
     04/09/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203147996 [Redacted] [Redacted] 6107543 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,695.75 exceeds tolerance of $1,674.50.  Sufficient or excess cure was provided to the borrower at Closing. (7200) Final Closing Disclosure discloses a $21.25 Lender cure credit for tolerance       04/06/2018   1 A [Redacted] TX Primary Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203147996 [Redacted] [Redacted] 6107983 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Report Error: Missing source document for credit/housing history.   Missing cancelled checks to support VOR (current) / VOM (prior).    Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 32.158% DTI and 12,173.62 Residual income Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-06): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 32.158% DTI and 12,173.62 Residual income
     04/06/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203147998 [Redacted] [Redacted] 6099468 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Short [Redacted] No estimator in file showing a lower value needed.   Reviewer Comment (2018-04-19): Received Insurance Cost Estimator in trailing documents. Compliance testing passed. Exception cleared.


Buyer Comment (2018-04-18): Please review doc from insurance company for replacement cost estimator for hazard insurance.
 04/19/2018     1 A [Redacted] FL Primary Purchase   C B C A B B A A Non QM Non QM No
203147998 [Redacted] [Redacted] 6099486 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not in file   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A B B A A Non QM Non QM No
203147998 [Redacted] [Redacted] 6099487 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Flood Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Flood Insurance Premium under Prepaids. [Redacted] Section F line 5           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Non QM Non QM Yes
203147999 [Redacted] [Redacted] 6066752 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for homeowner's insurance under Prepaids. [Redacted] Section F line 1 shows zero months   Reviewer Comment (2018-05-08): Post close CD's provided to date have not addressed this exception.  Exception remains.


Reviewer Comment (2018-04-26): Rec'd PC CD, this was not corrected.
       2 B [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
203147999 [Redacted] [Redacted] 6066753 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] Earliest CD in file dated 03/06/2018.   Reviewer Comment (2018-04-19): 04/19/2018 - Received in trailing documents evidence disclosure was received by borrower. Disclosure is date compliant. Exception cleared.


Buyer Comment (2018-04-12): Initial CD was [Redacted] Received by the borrower on [Redacted] loan closed on [Redacted] this is compliant
 04/19/2018     1 A [Redacted] GA Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
203147999 [Redacted] [Redacted] 6066755 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Missing 2018 YTD P&L and Balance Sheet   Reviewer Comment (2018-04-12): Corrected Data tape input
 04/12/2018     1 A [Redacted] GA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
203147999 [Redacted] [Redacted] 6066756 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Alternate Table Usage TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. LE dated 02/16/2018 did not use "To" or "From" for estimated cash to flow.   Reviewer Comment (2018-04-26): Data was corrected on subsequent disclosures (SFIG).
   04/26/2018   2 B [Redacted] GA Primary Refinance - Rate/Term Good Faith Redisclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
203147999 [Redacted] [Redacted] 6066782 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. [Redacted] Box not selected on Closing Disclosure - "you declined" or "your lender does not offer"   Reviewer Comment (2018-04-26): Rec'd LOE and corrected CD.
   04/26/2018   2 B [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
203147999 [Redacted] [Redacted] 6102384 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $75.00   Reviewer Comment (2018-04-19): 04/19/2018 - Received in trailing documents evidence disclosure was received by borrower. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] GA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
203147999 [Redacted] [Redacted] 6102385 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-19): Fees were required by borrower's chosen provider.
 04/19/2018     1 A [Redacted] GA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
203147999 [Redacted] [Redacted] 6114062 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   2017 1040 shows a Net Operating Loss -2,515,188 on line 21. 2016 1040 shows a Net Operating Loss -2,653,119 on line 21. Need clarification for not hitting Borrower for this negative income.   Reviewer Comment (2018-05-04): LOE re Net Operating Loss Carryover has been provided.
 05/04/2018     1 A [Redacted] GA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
203147999 [Redacted] [Redacted] 6114112 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. eConsent not found in file   Reviewer Comment (2018-04-19): 04/19/2018 - Received in trailing documents evidence disclosure was received by borrower. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] GA Primary Refinance - Rate/Term No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
203147999 [Redacted] [Redacted] 6114113 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Finance Charge that does not match the actual finance charge for the loan. [Redacted] $400 difference   Reviewer Comment (2018-05-08): A post close CD with the corrected finance charge, a letter of explanation to the borrowers, copy of the refund check, updated Right To Cancel and evidence rescission was re-opened have been provided.


Reviewer Comment (2018-04-26): Rec'd LOE, copy of $400 refund check and proof of delivery.  The finance charge was not corrected on the CD and rescission was not re-opened.
   05/08/2018   2 B [Redacted] GA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
203148000 [Redacted] [Redacted] 6086539 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] IL Primary Purchase   C A C A B A C A Non QM Non QM No
203148000 [Redacted] [Redacted] 6086700 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-18): Received
 04/18/2018     1 A [Redacted] IL Primary Purchase No Defined Cure C A C A B A C A Non QM Non QM No
203148000 [Redacted] [Redacted] 6126570 [Redacted] [Redacted] Credit Assets Asset Documentation Asset Issue:  Gift funds are missing evidence of receipt   Missing evidence $35,000.00 gift funds in the form of a certified check, a cashier’s check, money order, or wire transfer.   Reviewer Comment (2018-04-18): Received $35k gift fund wire info to Closing agent.
 04/18/2018     1 A [Redacted] IL Primary Purchase   C A C A B A C A Non QM Non QM No
203148000 [Redacted] [Redacted] 6126631 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $2,242.82 is less than Cash From Borrower $36,526.09. $2,242.82 < $36,526.09   Reviewer Comment (2018-04-18): Received $35k gift fund wire info to Closing agent.
 04/18/2018     1 A [Redacted] IL Primary Purchase   C A C A B A C A Non QM Non QM No
203148001 [Redacted] [Redacted] 6108146 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $575.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $250.00 Lender cure credit for $75.00 and $175.00 tolerances       04/06/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A Non QM Non QM Yes
203148001 [Redacted] [Redacted] 6108147 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Final Closing Disclosure discloses a $250.00 Lender cure credit for $175.00 and $75.00 tolerances       04/06/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A Non QM Non QM Yes
203148002 [Redacted] [Redacted] 6092287 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203148002 [Redacted] [Redacted] 6092502 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Other No Defined Cure C A C A B A C A Non QM Non QM No
203148002 [Redacted] [Redacted] 6118452 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility 1003 Error: Citizenship Source Documentation  was not provided Borrower: [Redacted] Missing evidence of Borrower and Co-borrower's United States Citizenship or Permanent Resident Alien status.  Signed initial and final 1003 states Borrower and Co-borrower are not U.S. citizens and not permanent resident aliens.   Reviewer Comment (2018-04-24): Received corrected initial 1003 and signed LOE from Borrowers stating that they are US Citizens.
 04/24/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203148002 [Redacted] [Redacted] 6140300 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing corrected Initial and final 1003 in line with citizenship verification provided.  Corrections to be acknowledged by Borrowers.  Signed initial and final 1003 states Borrower and Co-borrower are not U.S. citizens and not permanent resident aliens. Missing evidence of Borrower and Co-borrower's United States Citizenship or Permanent Resident Alien status   Reviewer Comment (2018-04-24): Received corrected initial 1003 and signed LOE from Borrowers stating that they are US Citizens.
 04/24/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203148002 [Redacted] [Redacted] 6148157 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Co-Borrower has > 25% ownership in [Redacted], need Internet Search or 3rd party within 10 days:   Coborrower is <25% owner in [Redacted], need VVOE within 10 days of Note   Reviewer Comment (2018-04-25): Income from both business not used or needed to qualify
 04/25/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203148003 [Redacted] [Redacted] 6088482 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203148003 [Redacted] [Redacted] 6088491 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Missing initial LE dated 02/12/2018.   Reviewer Comment (2018-04-16): rec'd 2/12/18 LE
 04/16/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Good faith redisclosure C B C B C A C A Non QM Non QM Yes
203148003 [Redacted] [Redacted] 6088492 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/02/21/2018) Missing initial LE dated 02/12/2018.   Reviewer Comment (2018-04-16): rec'd 2/12/18 LE
 04/16/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C B C A C A Non QM Non QM No
203148003 [Redacted] [Redacted] 6130573 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.18 is less than Guideline PITIA months reserves of 6.00.   DTI, housing payment decreasing, payment shock, residual income. Reviewer Comment (2018-04-16): Rec'd exception allowing use of cash out for reserves.
     04/16/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203148005 [Redacted] [Redacted] 6096052 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document was not provided in the file.   Reviewer Comment (2018-04-18): Received
 04/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C A A A C A C A Non QM Non QM No
203148005 [Redacted] [Redacted] 6096054 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $30 + $45 + $13 = $88   Reviewer Comment (2018-04-18): Received Attestation letter
 04/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203148005 [Redacted] [Redacted] 6096056 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $13.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-18): Received Attestation letter
 04/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203148005 [Redacted] [Redacted] 6096057 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-18): Received Attestation letter
 04/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203148005 [Redacted] [Redacted] 6096058 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77190) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-18): Received Attestation letter
 04/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203148005 [Redacted] [Redacted] 6096061 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C A A A C A C A Non QM Non QM No
203148006 [Redacted] [Redacted] 6099702 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203148006 [Redacted] [Redacted] 6100552 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total [Redacted] while closing CD seller's fees total [Redacted] plus Seller paid fees prior to closing of $116.00. Attorney fees were $50 higher on Final CD than Seller CD. Fees were also in different sections between the two CD's.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203148006 [Redacted] [Redacted] 6100733 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing signed E-sign agreement.           2 B [Redacted] TX Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203148006 [Redacted] [Redacted] 6141865 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 681 is less than Guideline representative FICO score of 700. 681 (lowest middle score of all Borrowers) per Lender's credit report dated 2/26/2018  < 700 Portfolio Select Bank Statement [Redacted]% LTV program.  Exception not acknowledged by Lender. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-16): Received exception approval for Credit score Based on reserves and residual income
     04/16/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203148006 [Redacted] [Redacted] 6142916 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing [Redacted]  May 2017 statement to support income used to qualify under 12 Months Personal Bank Statement program.   Duplicate April 2017 statement in file.   February 2017 statement referenced on Lender's income worksheet is not in file.   Reviewer Comment (2018-04-23): Received


Reviewer Comment (2018-04-16): Received May to June need April to May.
 04/23/2018     1 A [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203151369 [Redacted] [Redacted] 6137096 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203151369 [Redacted] [Redacted] 6138423 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not disclose a Lender cure credit for $378.88 tolerance.   Reviewer Comment (2018-04-24): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/24/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151369 [Redacted] [Redacted] 6138428 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $378.88 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187) $378.88 Title - Survey Fee not disclosed on Loan Estimate dated [Redacted] but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $378.88 tolerance.   Reviewer Comment (2018-04-24): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/24/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151369 [Redacted] [Redacted] 6177737 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $750.00 Broker Bills, $770.00 FRS Service Fee and $450.00 HOA Resale Certificate fees paid by Seller at closing not disclosed on Consumer's CD   Reviewer Comment (2018-04-20): A Post Close CD including all of the seller paid fees, with a letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.
   04/20/2018   2 B [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM Yes
203151370 [Redacted] [Redacted] 6089714 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility The appraisal does not show the property is Tenant Occupied or Vacant and thus casts doubt on the business purpose of the loan.   URAR shows occupancy as "Owner" which is discrepancy with loan file documents.   Reviewer Comment (2018-04-20): A revised appraisal has been provided that reflects the correct occupancy.
 04/20/2018     1 A [Redacted] GA Investment Refinance - Cash-out - Other   C A C A     A A     No
203151370 [Redacted] [Redacted] 6089960 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval. Valuation Type: Appraisal / Valuation Report Date: [Redacted] URAR is marked as Owner occupant, but loan type is for investment property.   Reviewer Comment (2018-04-20): A revised appraisal has been provided that reflects the correct occupancy.
 04/20/2018     1 A [Redacted] GA Investment Refinance - Cash-out - Other   C A C A     A A     No
203151370 [Redacted] [Redacted] 6089966 [Redacted] [Redacted] Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: [Redacted]     Reviewer Comment (2018-04-20): Updated appraisal report has been provided which corrects the occupancy and shows the property was appraised "As Is."


Buyer Comment (2018-04-20): Appraisal should clear all exceptions
 04/20/2018     1 A [Redacted] GA Investment Refinance - Cash-out - Other   C A C A     A A     No
203151371 [Redacted] [Redacted] 6121019 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MI Primary Purchase   C B A A C B C A Non QM Non QM No
203151371 [Redacted] [Redacted] 6121901 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-20): Evidence of borrower's consent to receive documents electronically has been provided.
 04/20/2018     1 A [Redacted] MI Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203151371 [Redacted] [Redacted] 6121904 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/401920) Closing Disclosure projected escrow amount $958.03 < $149.25 escrow payment amount.   Closing Disclosure Projected Payment section (page 1) does not disclose that property taxes included in escrow.  Section G Initial Escrow Payment at Closing discloses $808.78 in monthly property taxes and $8,177.53 in property tax reserves collected at closing.   Reviewer Comment (2018-04-20): A corrected post close CD reflecting taxes included in the escrow payment, letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.
   04/20/2018   2 B [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151371 [Redacted] [Redacted] 6121905 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/401921) Closing Disclosure projected escrow amount $958.03 < $149.25 escrow payment amount.   Closing Disclosure Projected Payment section (page 1) does not disclose that property taxes included in escrow.  Section G Initial Escrow Payment at Closing discloses $808.78 in monthly property taxes and $8,177.53 in property tax reserves collected at closing.   Reviewer Comment (2018-04-20): A corrected post close CD reflecting taxes included in the escrow payment, letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.
   04/20/2018   2 B [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151371 [Redacted] [Redacted] 6121906 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/401922) Closing Disclosure projected escrow amount $958.03 < $149.25 escrow payment amount.   Closing Disclosure Projected Payment section (page 1) does not disclose that property taxes included in escrow.  Section G Initial Escrow Payment at Closing discloses $808.78 in monthly property taxes and $8,177.53 in property tax reserves collected at closing.   Reviewer Comment (2018-04-20): A corrected post close CD reflecting taxes included in the escrow payment, letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.
   04/20/2018   2 B [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151371 [Redacted] [Redacted] 6121908 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/401923) Closing Disclosure projected escrow amount $958.03 < $149.25 escrow payment amount.   Closing Disclosure Projected Payment section (page 1) does not disclose that property taxes included in escrow.  Section G Initial Escrow Payment at Closing discloses $808.78 in monthly property taxes and $8,177.53 in property tax reserves collected at closing.   Reviewer Comment (2018-04-20): A corrected post close CD reflecting taxes included in the escrow payment, letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.
   04/20/2018   2 B [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151371 [Redacted] [Redacted] 6121909 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/401920) Closing Disclosure projected escrow amount $958.03 < $149.25 escrow payment amount.   Closing Disclosure Projected Payment section (page 1) does not disclose that property taxes included in escrow.  Section G Initial Escrow Payment at Closing discloses $808.78 in monthly property taxes and $8,177.53 in property tax reserves collected at closing.   Reviewer Comment (2018-04-20): A corrected post close CD reflecting taxes included in the escrow payment, letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.
   04/20/2018   2 B [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151371 [Redacted] [Redacted] 6147676 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $5,426.45 Occupancy Escrow and $2,000.43 Owner's Premium paid by Seller at closing not disclosed on Consumer's CD   Reviewer Comment (2018-04-20): A post close CD reflecting all seller paid fees, a letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.
   04/20/2018   2 B [Redacted] MI Primary Purchase   C B A A C B C A Non QM Non QM Yes
203151371 [Redacted] [Redacted] 6164696 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.91160% or Final Disclosure APR of 6.83000% is in excess of allowable threshold of APOR 4.28% + 1.5%, or 5.78000%.  Compliant Higher Priced Mortgage Loan.           2 B [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151372 [Redacted] [Redacted] 6083512 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing 1003 Error: Creditor Application Date was not provided   No indication of an application date.  Applications are not signed/dated   Reviewer Comment (2018-04-24): Complete application in file


Reviewer Comment (2018-04-20): A signed final application has been provided, but it does not include the application date.,.  Exception remains.
 04/24/2018     1 A [Redacted] PA Investment Refinance - Rate/Term   C A C A     A A     No
203151372 [Redacted] [Redacted] 6083527 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.       Reviewer Comment (2018-04-25): Coverage meets loan amount


Reviewer Comment (2018-04-20): [Redacted] requires coverage equal to the lesser of the following:
100% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis.  A revised dec page with coverage of $[Redacted]+N1623 has been provided, but this amount of coverage is still short by $9,856.00.  Exception remains.
 04/25/2018     1 A [Redacted] PA Investment Refinance - Rate/Term   C A C A     A A     No
203151373 [Redacted] [Redacted] 6129805 [Redacted] [Redacted] Compliance Loan Package Documentation Closing / Title (Missing Doc) PUD Rider was not provided.   Missing pages 30-31, 37, 43, 47, and 49-52 of large document that contains Note and Mortgage.   Reviewer Comment (2018-04-16): All pages in file


Reviewer Comment (2018-04-16): All pages have been provided
 04/16/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   D A D A     C A     No
203151373 [Redacted] [Redacted] 6133070 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Note - Subject Lien not provided   Missing signature page of Note, it appears it would be page 6 of 53.   Reviewer Comment (2018-04-16): Page 6 in file with signatures
 04/16/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   D A D A     C A     No
203151373 [Redacted] [Redacted] 6133460 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   D A D A     C A     No
203151374 [Redacted] [Redacted] 6123948 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C A A A A A C A Non QM Non QM No
203151376 [Redacted] [Redacted] 6152793 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.89893% exceeds Guideline total debt ratio of 45.00000%. Guideline 45% Calculated value 48.89893%  UW provided the following compensating factors Payment Shock 40.01102% and Residual income $14,582.78 monthly. Payment shock, residual income. Reviewer Comment (2018-04-13): Exception in file for DTI > maximum allowed.
     04/13/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151376 [Redacted] [Redacted] 6152953 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151376 [Redacted] [Redacted] 6153056 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Esign Consent Agreement missing.   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203151377 [Redacted] [Redacted] 6128562 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203151377 [Redacted] [Redacted] 6169754 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $465.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $15.00 Lender cure credit for tolerance       04/12/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C B C B A A C A Non QM Non QM Yes
203151377 [Redacted] [Redacted] 6171010 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $52,389.23 is less than Cash From Borrower $59,193.44. $52,389.23 < $59,193.44   Reviewer Comment (2018-04-27): Client elects to waive exception for undocumented deposit and use of business funds.  Cash from borrower sufficiently documented.
 04/27/2018     1 A [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203151377 [Redacted] [Redacted] 6171020 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Missing verification 6 months ($12,872.70) PITI reserves Portfolio Select Bank Statement program   Reviewer Comment (2018-04-27): Client elects to waive exception for undocumented deposit and use of business funds.  Reserves are sufficient.
 04/27/2018     1 A [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203151377 [Redacted] [Redacted] 6171103 [Redacted] [Redacted] Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation.   [Redacted] are [Redacted] business funds.  Borrower documented as 50% owner (p 139-140) .  Business assets can be used towards closing and reserves if Borrower is the sole proprietor or 100% owner of the business (A business not owned solely by the Borrower may be considered on a case-by-case basis) under Portfolio Select.  Letter from non-borrowing co-owner giving 100% access to assets (bit not use) in file (p 150).  Exception not acknowledged by Lender.

- Lender's exception for source verification of $[Redacted] deposit into non-borrowing spouse's [Redacted] account not documented.		 27.90% DTI on this full documentation loan < 45% guideline max -17.1% below program guideline maximum

Borrower's monthly payment is decreasing by $231.13.

Borrower has residual income of $12,119.02, in excess of guideline requirement of $3,000.00.		 Reviewer Comment (2018-04-27): Client elects to waive exception for undocumented deposit and use of business funds.


Reviewer Comment (2018-04-20): Access letter from 50% co-owner of the business has been provided.  Lender exception approval for deposit into spouse's account has not been provided.  Exception remains.
     04/27/2018 2 B [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203151378 [Redacted] [Redacted] 6130086 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MD Primary Purchase   C B A A B B C A Non QM Non QM No
203151378 [Redacted] [Redacted] 6131177 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Evidence of receipt or acknowledgment of document not found.           2 B [Redacted] MD Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151379 [Redacted] [Redacted] 6125774 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203151379 [Redacted] [Redacted] 6126604 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151379 [Redacted] [Redacted] 6126605 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Disclosed TIP 130.139% > Calculated TIP 127.943%.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203151379 [Redacted] [Redacted] 6162757 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [Redacted]     Reviewer Comment (2018-04-20): Evidence of delivery of the appraisal to the borrower has been provided.
 04/20/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203151379 [Redacted] [Redacted] 6164113 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $3,598.00 State Tax Stamp fee paid by Seller at closing that is not disclosed on Consumer's CD           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203151380 [Redacted] [Redacted] 6159937 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MN Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203151380 [Redacted] [Redacted] 6161129 [Redacted] [Redacted] Compliance Compliance State Compliance Minnesota Residential Mortgage Originator and Servicer Licensing Act - Financed Points and Fees Exceeds 5% Threshold Minnesota Residential Originator and Servicer Licensing Act: Financed Fees on subject loan in excess of 5% of Total Loan Amount.     Buyer Comment [Redacted]

Also, the fees to be included in the 5% limitation are paid:
• By the borrower to any residential mortgage originator or to any assignee of any residential mortgage originator, or
• By the lender to a mortgage broker.
This does NOT include:
• Recording fees,
• Mortgage registration taxes,
• Pass-throughs, or
• Other amounts that are paid by any person to any government entity, filing office, or other third party that is not a residential mortgage originator or an assignee.

Therefore, AMC is incorrect in stating the “financed fees” exceed 5%.
       2 B [Redacted] MN Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203151380 [Redacted] [Redacted] 6161130 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 8.61690% or Final Disclosure APR of 8.73500% is in excess of allowable threshold of USTreasury 2.8500% + 3%, or 5.85000%.  Compliant Subprime Loan.     Buyer Comment (2018-04-17): [Redacted]

There is no violation here.  The fact that this is a Sub-prime loan does not create a violation in and of itself.
       2 B [Redacted] MN Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203151380 [Redacted] [Redacted] 6161196 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on [Redacted] disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. [Redacted] The Summaries section reflects -$1,833.51 whereas the Calculating Cash to Close table reflects -$1,993.28.   Reviewer Comment (2018-04-20): A post close CD has been provided, but the figures on the Summaries of Transactions Table and the Calculating Cash to Close Table are still incorrect as the cash to close figures do not match
       2 B [Redacted] MN Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203151380 [Redacted] [Redacted] 6198572 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.98 is less than Guideline PITIA months reserves of 3.00. The borrower's reserves do not meet the guidelines minimum 3 months but meets the exception policy based on compensating factors of LTV [Redacted]% < 70% maximum and verified 13 month satisfactory mortgage history. Guideline variance approved by lender at time of origination. The borrower's reserves do not meet the guidelines minimum 3 months and the Borrower's DTI is > 45% but meets the exception policy based on compensating factors of LTV [Redacted]% < 70% maximum and verified 13 month satisfactory mortgage history. Reviewer Comment (2018-04-16): Exception in file for reserve requirements not met and DTI > maximum allowed.
     04/16/2018 2 B [Redacted] MN Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203151380 [Redacted] [Redacted] 6198581 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.43709% exceeds Guideline total debt ratio of 45.00000%. The borrower's DTI does not meet the guidelines 45% maximum but meets the exception policy based on compensating factors of LTV [Redacted]% < 70% maximum and verified 13 month satisfactory mortgage history. Guideline variance approved by lender at time of origination. The borrower's reserves do not meet the guidelines minimum 3 months and the Borrower's DTI is > 45% but meets the exception policy based on compensating factors of LTV [Redacted]% < 70% maximum and verified 13 month satisfactory mortgage history. Reviewer Comment (2018-04-16): Exception in file for reserve requirements not met and DTI > maximum allowed.
     04/16/2018 2 B [Redacted] MN Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203151380 [Redacted] [Redacted] 6198726 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing the borrower's signed e-consent.   Reviewer Comment (2018-04-20): Evidence of borrower's consent to receive documents electronically has been provided.
 04/20/2018     1 A [Redacted] MN Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203151380 [Redacted] [Redacted] 6199559 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] VVOE - Employment Only Missing verification of borrower's previous employment with [Redacted].   Reviewer Comment (2018-04-20): Lender approval of lack to verification of previous employment has been provided.
 04/20/2018     1 A [Redacted] MN Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203151381 [Redacted] [Redacted] 6134167 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MD Primary Purchase   C A A A C A C A Non QM Non QM No
203151381 [Redacted] [Redacted] 6134355 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on [Redacted] contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation Corrected CD dated [Redacted] which contained APR, change over regulation did not allow 3 business review prior to consummation.  Change of Circumstance reflects [Redacted] loan amount change and disclosure tracking reflects a revised CD dated [Redacted], but missing [Redacted] CD.  Only received [Redacted] issued and [Redacted] final issued.   Reviewer Comment (2018-04-20): The CD issued on 3/2/18 has been provided and the file contains evidence it was delivered to the borrowers on that day.
 04/20/2018     1 A [Redacted] MD Primary Purchase No Defined Cure C A A A C A C A Non QM Non QM No
203151381 [Redacted] [Redacted] 6134356 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Seller CD fees do not match Borrower's final CD for testing   Reviewer Comment (2018-04-13): Both reflect $38,890 at closing.
 04/13/2018     1 A [Redacted] MD Primary Purchase   C A A A C A C A Non QM Non QM Yes
203151381 [Redacted] [Redacted] 6173641 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing signed e-consent.   Reviewer Comment (2018-04-20): Evidence of borrowers' consent to receive documents electronically has been received.
 04/20/2018     1 A [Redacted] MD Primary Purchase No Defined Cure C A A A C A C A Non QM Non QM No
203151382 [Redacted] [Redacted] 6108243 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 8.31 is less than Guideline PITIA months reserves of 12.00. PITIA reserve months does not meet 12 months required but meets exception policy based on compensating factor of residual income greater than $2500. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-11): Credit Risk Summary & Exception approval p302
     04/11/2018 2 B [Redacted] UT Primary Purchase   C B C B B B C A Non QM Non QM No
203151382 [Redacted] [Redacted] 6108251 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] UT Primary Purchase   C B C B B B C A Non QM Non QM No
203151382 [Redacted] [Redacted] 6108522 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-consent agreement is missing.   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] UT Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203151382 [Redacted] [Redacted] 6108532 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. [Redacted] Seller Closing Disclosure is missing.   Reviewer Comment (2018-04-19): Received Seller CD in trailing documents.
 04/19/2018     1 A [Redacted] UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203151382 [Redacted] [Redacted] 6246765 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Added following receipt of Seller CD.           2 B [Redacted] UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203151383 [Redacted] [Redacted] 6120208 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM No
203151383 [Redacted] [Redacted] 6120668 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Finance Charge that does not match the actual finance charge for the loan. [Redacted] [Redacted]   Reviewer Comment (2018-04-16): Updated input
 04/16/2018     1 A [Redacted] FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151383 [Redacted] [Redacted] 6120699 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Documentation in file reflects the E-sign Consent date is 03/05/18 and the LE was signed [Redacted].   Reviewer Comment (2018-04-20): Consent agreement submitted to clear the exception still reflects consent date of 3/5/18.  Exception remains.
       2 B [Redacted] FL Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203151384 [Redacted] [Redacted] 6149825 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD reflects a 30.00 recording fee that is not listed on the final CD           2 B [Redacted] MI Primary Purchase   C B A A B B C A Non QM Non QM Yes
203151384 [Redacted] [Redacted] 6157409 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MI Primary Purchase   C B A A B B C A Non QM Non QM No
203151385 [Redacted] [Redacted] 6136018 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203151385 [Redacted] [Redacted] 6174144 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. The loan file does not contain the FACTA disclosure.           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203151385 [Redacted] [Redacted] 6180807 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] ClosingDisclosureTotalInterestPercentage(126.23500) > (MathClosingDisclosureTotalInterestPercentage(124.05400) + 0.003)           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203151387 [Redacted] [Redacted] 6110910 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM No
203151387 [Redacted] [Redacted] 6172223 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $75.00   Reviewer Comment (2018-04-20): Signed lender attestation regarding Title - Abstract Fee from same service provider has been provided
 04/20/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151387 [Redacted] [Redacted] 6172224 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] [Redacted]           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151387 [Redacted] [Redacted] 6186359 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-20): Signed lender attestation regarding Title - Abstract Fee from same service provider has been provided.
 04/20/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151388 [Redacted] [Redacted] 6099233 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203151388 [Redacted] [Redacted] 6100480 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] verified   Reviewer Comment (2018-04-19): Verified fees were required by borrower's chosen provider.
 04/19/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203151388 [Redacted] [Redacted] 6100482 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Final Closing Disclosure discloses a $150.00 Lender cure credit for tolerance.  Final Closing Disclosure does not reflect a Lender credit for $225.00 Title - Title Search fee tolerance.   Reviewer Comment (2018-04-19): Verified fees were required by borrower's chosen provider.
 04/19/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203151388 [Redacted] [Redacted] 6100483 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $225.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) $225.00 Title - Title Search Fee not disclosed on Loan Estimate dated 1/26/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure discloses a $150.00 Lender cure credit for Appraisal Re-Inspection fee tolerance.  Final Closing Disclosure does not reflect a Lender credit for $225.00 tolerance.   Reviewer Comment (2018-04-20): The account from [Redacted] belongs to [Redacted] at subject property address.  Per the credit report, our borrower [Redacted] is also known as [Redacted] from the account are usable but do not cover a minimum two-month period.


Reviewer Comment (2018-04-19): Verified fees were required by borrower's chosen provider.
 04/19/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203151388 [Redacted] [Redacted] 6154829 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other No Defined Cure C B C B C A C A Non QM Non QM No
203151388 [Redacted] [Redacted] 6156919 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of  is less than Guideline PITIA months reserves of 3.00. Missing verification 3 months ($2,556.27) PITI reserves under Non-Prime program.  Asset verification not in file. 36.31% DTI on this full documentation loan < 45% guideline max - 8.69% below program guideline maximum

6.1 months reserves > 3 months guideline minimum - borrowers have verified reserves of $5,196.55.  Reserves are adequate; only one month's statement was provided.  Client waived requirement for two months' statements.		 Reviewer Comment (2018-04-26): Client elects to waive requirement for two months' statements for verification of reserves.


Reviewer Comment (2018-04-20): Bank statement from [Redacted] does belong to out borrower and reflects sufficient reserves; however it does not cover a two month period.  Please provide a full two  month history for this account.


Buyer Comment (2018-04-13): Bank statement from [Redacted] was uploaded with the loan documents on 4/2/2018.  It is a print out from the bank that was signed by a bank official, and the period of the statement is [Redacted].  Please review and advise.  Thank you.
     04/26/2018 2 B [Redacted] AL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203151388 [Redacted] [Redacted] 6246842 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)         04/19/2018   1 A [Redacted] AL Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B C A C A Non QM Non QM Yes
203151389 [Redacted] [Redacted] 6150269 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Refinance transaction on a vacant property is not allowed per guidelines. Email in file indicates this was to be waived, but nothing noted on the Credit Risk Summary & Exception Approval document in the file.   Reviewer Comment (2018-04-20): Evidence of lender approval of the exception has been provided.
 04/20/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     A A     No
203151390 [Redacted] [Redacted] 6095344 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C A A A C A C A Non QM Non QM No
203151390 [Redacted] [Redacted] 6096932 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] Final Closing Disclosure issue date [Redacted].   Missing Initial Closing Disclosure issued [Redacted]v per Lender's Disclosure Tracking Tool.   Reviewer Comment (2018-04-19): Received CD issued 03/06/2018 without signature and/or tracking information.
 04/19/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C A A A C A C A Non QM Non QM No
203151390 [Redacted] [Redacted] 6096933 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $168.00 plus 10% or $184.80.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $65.20Lender cure credit for tolerance       04/06/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C A A A C A C A Non QM Non QM Yes
203151390 [Redacted] [Redacted] 6143983 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C A A A C A C A Non QM Non QM No
203151390 [Redacted] [Redacted] 6247424 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] Received CD issued 03/06/2018 without signature and/or tracking information.   Reviewer Comment (2018-04-20): Evidence that the borrowers received the initial CD three days prior to closing has been provided.
 04/20/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C A A A C A C A Non QM Non QM No
203151391 [Redacted] [Redacted] 6108408 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] VA Primary Purchase   C A A A B A C A Non QM Non QM No
203151391 [Redacted] [Redacted] 6158976 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] VA Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203151392 [Redacted] [Redacted] 6161470 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NM Primary Purchase   C B A A B B C A Non QM Non QM No
203151392 [Redacted] [Redacted] 6161847 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $50.00 plus 10% or $55.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $170.00 Lender cure credit for $20.00 tolerance       04/11/2018   1 A [Redacted] NM Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203151392 [Redacted] [Redacted] 6161849 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $170.00 Lender cure credit for $150.00 tolerance       04/11/2018   1 A [Redacted] NM Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203151392 [Redacted] [Redacted] 6204481 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses a $811.20 Sales Tax on Commission to Realtors paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] NM Primary Purchase   C B A A B B C A Non QM Non QM Yes
203151393 [Redacted] [Redacted] 6153160 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Investment Purchase   C A A A     C A     No
203151394 [Redacted] [Redacted] 6122988 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151394 [Redacted] [Redacted] 6161330 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] (2015), Telephone Listing / Internet Search / Directory Assistance Missing [Redacted] 2015 K-1 for Borrower

Missing 3rd Party VVOE for both [Redacted] within 10 days of closing		 Borrower on this Full  documentation loan has a disposable income of $7126.26
Guideline is $1500.00

39.73% DTI on this full documentation loan < 45.00% guideline max - 5.27% below program guideline maximum

Borrower on this full documentation loan has a disposable income of $7,126.26.

Borrower's FICO of 710 exceeds guideline minimum of 680.		 Reviewer Comment (2018-04-20): Client has provided approval of waiving the requirement for these income docs.


Reviewer Comment (2018-04-20): Client elects to waive.


Reviewer Comment (2018-04-20): Lender approval of exception for missing income docs has been provided.
     04/20/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151394 [Redacted] [Redacted] 6163219 [Redacted] [Redacted] Credit Assets Asset Documentation Asset Issue:  Gift funds are missing evidence of receipt   Missing evidence of $[Redacted] Gift Funds wire transferred from donor to directly to settlement agent.  Per Gift Letter, funds to be wired directly wired to to title at closing   Reviewer Comment (2018-04-20): Evidence of the receipt of gift funds by the title company has been provided.
 04/20/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151394 [Redacted] [Redacted] 6163239 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $52,554.73 is less than Cash From Borrower $158,925.98. $52,554.73 < $158,925.98   Reviewer Comment (2018-04-20): Evidence of receipt of gift funds by the title company has been provided.  Assets are sufficient.


Buyer Comment (2018-04-17): Cash to close was $[Redacted] as earnest money of $20,000 cleared to [Redacted].  Borrower rec gift funds for the cash to close in form of wire to the title company from the  donor see the attached trailing doc. with all the information. [Redacted]		 04/20/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151394 [Redacted] [Redacted] 6163363 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.12 is less than Guideline PITIA months reserves of 3.00. 2.12 months < 3 months Non-Prime program.  Lender's 2 months calculations < 3 months.   Lender's Credit Risk Summary & Exception Approval in file. 25.358% housing ratio, [Redacted]% LTV and $8,509.21  residual income. 39.73% DTI on this full documentation loan < 45.00% guideline max - 5.27% below program guideline maximum

Borrower on this full documentation loan has a disposable income of $7,126.26.		 Reviewer Comment (2018-04-11): Lender's Credit Risk Summary & Exception Approval in file. 25.358% housing ratio, [Redacted]% LTV and $8,509.21  residual income.
     04/11/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151394 [Redacted] [Redacted] 6163745 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203151395 [Redacted] [Redacted] 6130289 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 6.76 is less than Guideline PITIA months reserves of 12.00. Credit Risk Summary & Exception Approval in file, page 377. Reserves: Requirements not met. Compensating Factors: 1) Credit Score. 2) Credit History. 3) DTI. 4) Payment Shock. 5) Residual Income. 6) Stable Employment History. 39.50% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $20,630.89		 Reviewer Comment (2018-04-12): Compensating Factors: 1) Credit Score. 2) Credit History. 3) DTI. 4) Payment Shock. 5) Residual Income. 6) Stable Employment History.
     04/12/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203151395 [Redacted] [Redacted] 6130323 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203151395 [Redacted] [Redacted] 6130664 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign agreement is not evident.   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203151395 [Redacted] [Redacted] 6130855 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $59,530.86, while closing CD seller's fees total $54,586.10.   Reviewer Comment (2018-04-19): Received PCCD reflecting Seller Paid Fees, LOE to borrower and proof of delivery.
   04/19/2018   2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM Yes
203151396 [Redacted] [Redacted] 6089257 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 9.75 is less than Guideline PITIA months reserves of 14.00. Credit Risk Summary & Exception Approval in file, page 231. Reserves: Requirements not met. Compensating Factors: 1) DTI (front end). 2) Residual Income. 21.101% front end ratio

Borrower on this Foreign National documentation loan has a disposable income of $5,488.56		 Reviewer Comment (2018-04-10): Compensating Factors: 1) DTI (front end). 2) Residual Income.
     04/10/2018 2 B [Redacted] FL Investment Refinance - Rate/Term   C B C B C A C A N/A N/A No
203151396 [Redacted] [Redacted] 6089978 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Required secondary valuation product not evidenced in file.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Refinance - Rate/Term   C B C B C A C A N/A N/A No
203151396 [Redacted] [Redacted] 6147210 [Redacted] [Redacted] Compliance Compliance Federal Compliance Disparity in Occupancy The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence.  (Compliance testing performed based on the Occupancy Type of Investment) The Initial and Final 1003 both indicate that the Borrower will occupy the property as his primary residence (VIII Declarations line "L").   Reviewer Comment (2018-05-22): Occupancy Cert is in file from time of application showing investment property.


Reviewer Comment (2018-05-08): A corrected final 1003 signed at closing has been provided.   A letter of explanation from the loan originator disclosing the reason for the incorrect application declaration and evidence of borrower's intent not to occupy the property at time of origination are required.
 05/22/2018     1 A [Redacted] FL Investment Refinance - Rate/Term   C B C B C A C A N/A N/A No
203151397 [Redacted] [Redacted] 6103927 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203151397 [Redacted] [Redacted] 6104185 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses a $4.00 higher amount Recording fee paid at closing than disclosed on Consumer CD   Reviewer Comment (2018-04-20): A corrected post close CD reflecting all of the seller paid costs, with letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.
 04/20/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM Yes
203151397 [Redacted] [Redacted] 6104188 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release(s).  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77182) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-04-20): Lender attestation that Title - Release Fee was from the same service provider as other title fees has been provided.
 04/20/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151397 [Redacted] [Redacted] 6104296 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Information not provided   Reviewer Comment (2018-04-23): A copy of the refund check, letter of explanation, corrected CD and evidence of delivery have been provided.


Reviewer Comment (2018-04-20): A post close CD giving the borrower credit for the $4.50 zero tolerance violation, letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.  A copy of the refund check with evidence of delivery is still required.  Exception remains.
   04/23/2018   2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151397 [Redacted] [Redacted] 6104297 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Governmental Surcharge.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Fee disclosed as ($4.50) on (CD dated [Redacted]), but disclosed as ($9.00) on Final Closing Disclosure.   Reviewer Comment (2018-04-23): A copy of the refund check and evidence of delivery have been provided along with the corrected CD and Letter of Explanation.


Reviewer Comment (2018-04-20): A post close CD giving the borrower credit for the $4.50 zero tolerance violation, letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have been provided.  A copy of the refund check with evidence of delivery is still required.  Exception remains.
   04/23/2018   2 B [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151399 [Redacted] [Redacted] 6124814 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203151399 [Redacted] [Redacted] 6128585 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151399 [Redacted] [Redacted] 6247437 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Added following receipt of borrower's E-Consent.           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151399 [Redacted] [Redacted] 6247438 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Added following receipt of borrower's E-Consent.           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151400 [Redacted] [Redacted] 6099562 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203151401 [Redacted] [Redacted] 6125127 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203151401 [Redacted] [Redacted] 6127077 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on [Redacted] disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. [Redacted] verified           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203151401 [Redacted] [Redacted] 6164935 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.43888% exceeds Guideline total debt ratio of 45.00000%. 47.44% > 45% Portfolio Select Bank Statement program.  Lender's 47.41% DTI > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 24.20% front DTI and 180 months reserves Guideline variance approved by lender at time of origination

xx.x months reserves > xx months guideline minimum - borrowers have verified reserves of $x,xxx.xx		 Reviewer Comment (2018-04-12): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 24.20% front DTI and 180 months reserves
     04/12/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203151401 [Redacted] [Redacted] 6164987 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203151401 [Redacted] [Redacted] 6176113 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $38,685.00 is less than Cash From Borrower $73,758.66. $38,685.00 < $73,758.66   Reviewer Comment (2018-04-24): Verification of borrower's receipt of proceeds from sale of [Redacted] has been provided.
 04/24/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203151401 [Redacted] [Redacted] 6176118 [Redacted] [Redacted] Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation.   Missing signed final CD documenting sale of [Redacted] verifying sale prior to closing, payoff of [Redacted] and net proceeds to Borrowers.   Unsigned estimated Closing Disclosure in file (p 157) indicates $[Redacted] net proceeds to Borrower but amount disclosed (and statement) does not account for approximate $[Redacted] unpaid balance for [Redacted] loan secured by property.   Reviewer Comment (2018-04-24): Final closing disclosure from sale of [Redacted] paying off first mortgage to [Redacted] has been provided.
 04/24/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203151402 [Redacted] [Redacted] 6139140 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM No
203151402 [Redacted] [Redacted] 6139555 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $9   Reviewer Comment (2018-04-23): Lender provided an attestation that the Electronic Delivery Fee was required by the borrower's chosen provider.  No tolerance violation.
 04/23/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151402 [Redacted] [Redacted] 6139556 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TRID non-compliant.  Seller paid fees on Seller's CD are not consistent with seller paid fees on Borrower's Final CD.  Seller CD reflects $18,591.50 in seller paid fees.  Borrower's CD reflects $2,190 in seller paid fees.           2 B [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM Yes
203151402 [Redacted] [Redacted] 6139557 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) While title fees on the LE were disclosed as shoppable, the new Title – E-Recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-23): Lender provided an attestation that the Electronic Delivery Fee was required by the borrower's chosen provider.  No tolerance violation.
 04/23/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151403 [Redacted] [Redacted] 6107276 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MN Investment Refinance - Rate/Term   C B A A B B C A N/A N/A No
203151403 [Redacted] [Redacted] 6107659 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 8.60150% or Final Disclosure APR of 8.72000% is in excess of allowable threshold of USTreasury 2.7700% + 3%, or 5.77000%.  Compliant Subprime Loan.             2 B [Redacted] MN Investment Refinance - Rate/Term   C B A A B B C A N/A N/A No
203151404 [Redacted] [Redacted] 6123832 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Refinance - Rate/Term   C A A A B A C A Higher Priced QM Higher Priced QM No
203151404 [Redacted] [Redacted] 6159546 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] GA Primary Refinance - Rate/Term No Defined Cure C A A A B A C A Higher Priced QM Higher Priced QM No
203151406 [Redacted] [Redacted] 6147389 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] OH Primary Purchase   C B A A B B C A Non QM Non QM No
203151406 [Redacted] [Redacted] 6149085 [Redacted] [Redacted] 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. Document not provided.   Reviewer Comment (2018-04-19): Received  Disclosure Tracking. Actual disclosure provided within three days of application required for compliance testing.
       2 B [Redacted] OH Primary Purchase   C B A A B B C A Non QM Non QM No
203151406 [Redacted] [Redacted] 6175537 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Proof of consent not provided.   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] OH Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151407 [Redacted] [Redacted] 6144797 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203151407 [Redacted] [Redacted] 6145582 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.47655% exceeds Guideline total debt ratio of 45.00000%. DTI of 47.47655% exceeds program max of 45%.  Variance is due to lender using property taxes of $152.84 from tax cert, instead of $391.67 based on 1.25% of purchase price (CA property).  Credit Risk Summary and Exception worksheet does not address exception as lender's DTI is < 45%. Borrower has employment stability for 11 years in the [Redacted].

Housing payment shock is minimal.

13.86 months reserves > 6 months guideline minimum - borrowers have verified reserves of $36,979.		 Reviewer Comment (2018-04-23): Lender approval to proceed with DTI of 47.47655% which is in excess of guideline maximum of 43%, has been provided.
     04/23/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203151407 [Redacted] [Redacted] 6145612 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-23): Inspection date 4/17/18


Reviewer Comment (2018-04-23): Post disaster Inspection report dated 4/17/18 has been provided which indicates the subject incurred no damage.  (Unable to clear as there is no end date.)
     04/23/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203151407 [Redacted] [Redacted] 6146095 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. ATR risk due to DTI exceeding program max.   Reviewer Comment (2018-04-30): Received Credit Risk Summary & Exception approval 4/30/18


Reviewer Comment (2018-04-30): Lender approval to proceed with DTI of 47.47655% which is in excess of guideline maximum of 43%, has been provided.
 04/30/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203151407 [Redacted] [Redacted] 6146096 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. ATR risk due to DTI exceeding program max.   Reviewer Comment (2018-04-30): Received Credit Risk Summary & Exception approval 4/30/18


Reviewer Comment (2018-04-30): Lender approval to proceed with DTI of 47.47655% which is in excess of guideline maximum of 43%, has been provided.
 04/30/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203151407 [Redacted] [Redacted] 6175345 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] TRID non-compliant.  Seller paid fees on Seller's CD are not consistent with seller paid fees on Borrower's Final CD.  Seller's CD reflects $21,623.77 in seller paid fees.  Borrower's Final CD reflects $22,162.59 in seller paid fees.   Reviewer Comment (2018-04-23): a post close CD has been provided; however the seller paid closing costs reflected dare not equal to those shown on the seller's CD.  Exception remains.
       2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM Yes
203151408 [Redacted] [Redacted] 6137561 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing pages 27, 35, 41, 45-49 and 51-53 of 53 page document containing Note, etc.   Reviewer Comment (2018-04-16): 51,52, 53, 48,49,45,47 27,35,41 all legal descriptions
 04/16/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203151408 [Redacted] [Redacted] 6137598 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203151410 [Redacted] [Redacted] 6136447 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on [Redacted] disclosed a Pad fee that was not allocated to a specific cost or service performed. [Redacted] Fee was a Refundable Escrow Pad Fee   Reviewer Comment (2018-05-18): Rec'd LOE, corrected CD and copy of final settlement statement confirming the elimination of the pad through closing.


Reviewer Comment (2018-05-03): A post close CD, letter of explanation to the borrowers and evidence of delivery have been provided.  The PAD fee has been removed, but it was not replaced by a bona fide fee.  Provide a final settlement statement evidencing that the post close CD dated [Redacted] represents how the loan actually closed, or evidence that the $500 was refunded to the borrowers with a copy of the check, letter of explanation to the borrowers and evidence of delivery.


Reviewer Comment (2018-05-01): PCCD dated 04/17/2018 still shows PAD fee.


Reviewer Comment (2018-04-24): Nothing uploaded.
   05/18/2018   2 B [Redacted] CA Primary Purchase Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B C B C B A A Non QM Non QM Yes
203151410 [Redacted] [Redacted] 6175743 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] The seller's CD reflects $34,043.45 whereas the borrower's CD reflects $31,186.45.   - Correction Seller CD with  $31,918.95 -  Need updated   Reviewer Comment (2018-05-03): Seller fees corrected on Disclosure Screen caused new exception to fire, replacing/updating this exception


Reviewer Comment (2018-04-27): Correction:  PCCD shows seller fees of $31,186.45, not $31,918.95 as shown on the seller CD.


Reviewer Comment (2018-04-23): A post close CD with the corrected seller paid fees has been provided, but a copy of the letter of explanation to the borrower and evidence of delivery are required.  Exception remains .
 05/03/2018     1 A [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM Yes
203151410 [Redacted] [Redacted] 6186323 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing. 25.00% DTI on this bank statement documentation loan < 45% guideline max - 20% below program guideline maximum

25.00% DTI on this bank statement documentation loan < 45% guideline max - 20% below program guideline maximum

40.88% payment shock less than 100% that guidelines allow.		 Reviewer Comment (2018-05-04): Client elects to waive requirement for third party verification of borrower's business within 10 days of closing.  Credit Risk Summary & Exception approval has been provided.  Compensating Factors:  Low payment shock; low DTI.


Reviewer Comment (2018-05-03): Nothing new has been provided to address this exception. The third party verification of the business obtained on 4/27/18 was not within 10 days of closing.


Reviewer Comment (2018-05-01): Internet search dated post-closing 04/17/2018.


Reviewer Comment (2018-04-27): No new documents have been uploaded.


Reviewer Comment (2018-04-23): Third party verification of the business has been provided, but it is dated 4/17/18, which is not within 10 days of closing.  Exception remains.
     05/04/2018 2 B [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203151410 [Redacted] [Redacted] 6354091 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] TRID non-compliant.  Seller paid fees on Seller’s Closing Disclosure are not consistent with those reflected on the Borrower’s Final Closing Disclosure.  Seller's CD shows $31,918.95 in seller paid closing costs, borrower's final CD shows $31,186.45.  Provide a post-close CD correcting the seller paid fees, a copy of the letter of explanation to the borrower disclosing the changes made and evidence of delivery.           2 B [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM Yes
203151411 [Redacted] [Redacted] 6138670 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C A A A B A C A Non QM Non QM No
203151411 [Redacted] [Redacted] 6173823 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-23): Evidence of borrower's consent to receive documents electronically has been provided.
 04/23/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203151412 [Redacted] [Redacted] 6127312 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] OR Primary Purchase   C B A A B B C A Non QM Non QM No
203151412 [Redacted] [Redacted] 6127585 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] OR Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151412 [Redacted] [Redacted] 6184271 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $16,389.00 Real Estate Commission Buyers Broker and $75.39 Invoice to [Redacted] Utility Division fees not disclosed on Consumer's CD           2 B [Redacted] OR Primary Purchase   C B A A B B C A Non QM Non QM Yes
203151413 [Redacted] [Redacted] 6166051 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C B A A B B C A Non QM Non QM No
203151413 [Redacted] [Redacted] 6166158 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for GRMA fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7543) Cure for [Redacted] fee of $10 was not provided.       04/12/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203151413 [Redacted] [Redacted] 6166159 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $796.40 exceeds tolerance of $795.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Cure for Transfer Tax fee of $1.40 was not provided.       04/12/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203151413 [Redacted] [Redacted] 6166163 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller closing disclosure had additional fees in section C and H.           2 B [Redacted] GA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203151414 [Redacted] [Redacted] 6128695 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203151414 [Redacted] [Redacted] 6131346 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted]           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203151415 [Redacted] [Redacted] 6100809 [Redacted] [Redacted] Credit Credit Credit Documentation There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.   Lease information was provided to the appraiser by the owner.  There is no evidence of Lease agreements in the loan file   Reviewer Comment (2018-04-27): Lease not required if property was occupied/rented at time of underrwriting
 04/27/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   D A D A     C A     No
203151415 [Redacted] [Redacted] 6100927 [Redacted] [Redacted] Credit Guideline Guideline Issue Asset verification is less than 2 months verified as required by guidelines. [Redacted] One month Bank Statement provided.   Reviewer Comment (2018-04-27): only 1 month required
 04/27/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   D A D A     C A     No
203151415 [Redacted] [Redacted] 6101109 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   D A D A     C A     No
203151415 [Redacted] [Redacted] 6155756 [Redacted] [Redacted] Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. [Redacted] Only one month bank statement provided.   Reviewer Comment (2018-04-27): only 1 month required
 04/27/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   D A D A     C A     No
203151415 [Redacted] [Redacted] 6155793 [Redacted] [Redacted] Credit Loan Package Documentation Loan File (Missing Doc) Incomplete loan images/file   Missing Trust documentation to validate proof of assets.   Reviewer Comment (2018-04-27): A copy of the Trust has been provided.
 04/27/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   D A D A     C A     No
203151416 [Redacted] [Redacted] 6123624 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] AZ Primary Purchase   C A A A A A C A Non QM Non QM No
203151418 [Redacted] [Redacted] 6161492 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] OK Primary Purchase   C B C B B B C A Non QM Non QM No
203151418 [Redacted] [Redacted] 6161742 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 7.52490% or Final Disclosure APR of 7.59200% is in excess of allowable threshold of APOR 4.17% + 1.5%, or 5.67000%.  Compliant Higher Priced Loan. HPML loan due toAPR of 7.592% exceeds threshold of APOR + 1.5%           2 B [Redacted] OK Primary Purchase   C B C B B B C A Non QM Non QM No
203151418 [Redacted] [Redacted] 6190118 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing e-sign consent agreement.   Reviewer Comment (2018-04-24): rec'd e-consent
 04/24/2018     1 A [Redacted] OK Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203151418 [Redacted] [Redacted] 6199946 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing. 29.33% DTI on this alt documentation loan < 45% guideline max - 15.67% below program guideline maximum

Borrower has residual income of $5,487.45, in excess of guideline requirement of $3,000.		 Reviewer Comment (2018-04-23): Lender has elected to waive the exception for third party verification of employment within 10 days of closing.
     04/23/2018 2 B [Redacted] OK Primary Purchase   C B C B B B C A Non QM Non QM No
203151418 [Redacted] [Redacted] 6199967 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing evidence borrower is the sole proprietor or 100% owner of the business in order to use business assets for down payment, closing costs and reserves.   Reviewer Comment (2018-05-09): Evidence of borrowers 100% ownership of the business has been provided.


Reviewer Comment (2018-04-23): The document provided does not reflect borrower's percent of ownership of the business.  Exception remains.
 05/09/2018     1 A [Redacted] OK Primary Purchase   C B C B B B C A Non QM Non QM No
203151419 [Redacted] [Redacted] 6148402 [Redacted] [Redacted] Credit Credit Credit Eligibility Guideline Issue: Bankruptcy timeline outside of credit guidelines   Chapter 13 Bankruptcy filed < 24 months but meets exception policy based on compensating factor of borrower has $2500 in residual income and reserves are 3 months greater than published guidelines. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-13): Credit Risk Summary & Exception approval  p 316
     04/13/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151419 [Redacted] [Redacted] 6148464 [Redacted] [Redacted] Credit Credit Miscellaneous Missing Document: Credit Letter of Explanation (LOE) not provided   Detailed letter of explanation from the borrower in regards to the Chapter 13 bankruptcy less than 24 months is not evident.   Reviewer Comment (2018-04-23): Borrower's credit explanation letter includes explanation of reason for the bankruptcy.


Buyer Comment (2018-04-16): Borrower did provide Letter of Explanation addressing the Bankruptcy.  It has been re-uploaded.  The borrower could not work due to a leg injury.  This letter was signed 1/15/18 by the borrower.  Please review and advise.
 04/23/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151419 [Redacted] [Redacted] 6148569 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 75.00000%. LTV does exceeds 75% but meets exception policy based on compensating factor of borrower has $2500 in residual income and reserves are 3 months greater than published guidelines. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-13): Credit Risk Summary & Exception approval  p316
     04/13/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151419 [Redacted] [Redacted] 6148996 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Sign Agreement is not evident.   Reviewer Comment (2018-04-23): Evidence of borrower's consent to receive documents electronically has been provided.
 04/23/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203151419 [Redacted] [Redacted] 6188348 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203151421 [Redacted] [Redacted] 6125799 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203151421 [Redacted] [Redacted] 6126143 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $285.00 + $4.39   Reviewer Comment (2018-04-23): The only zero percent violation is for the $285 increase in the appraisal fee; sufficient cure was provided at closing.
 04/23/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151421 [Redacted] [Redacted] 6163858 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $4.39 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-04-23): Lender provided attestation that the Title - Recording Service Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/23/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151421 [Redacted] [Redacted] 6176996 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. not found in file   Reviewer Comment (2018-04-23): Evidence of borrower's consent to receive documents electronically has been provided.
 04/23/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other No Defined Cure C B A A C B C A Non QM Non QM No
203151421 [Redacted] [Redacted] 6176997 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Liability After Foreclosure Missing TILA-RESPA Integrated Disclosure - Other Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Liability After Foreclosure statement. [Redacted] Box not checked off on CD   Reviewer Comment (2018-04-23): A post close CD correcting the Liability After Foreclosure disclosure, a letter of explanation disclosing the reason for the changes, and evidence of delivery have been provided.
   04/23/2018   2 B [Redacted] WA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151422 [Redacted] [Redacted] 6120800 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Debt Consolidation   C B A A B B C A Non QM Non QM No
203151422 [Redacted] [Redacted] 6120997 [Redacted] [Redacted] Compliance Compliance State Compliance Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower. verified           2 B [Redacted] MI Primary Refinance - Cash-out - Debt Consolidation   C B A A B B C A Non QM Non QM No
203151423 [Redacted] [Redacted] 6142925 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203151423 [Redacted] [Redacted] 6143139 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203151423 [Redacted] [Redacted] 6178514 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Final Closing Disclosure discloses a $125.00 Lender credit for tolerance       04/12/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203151423 [Redacted] [Redacted] 6190935 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.05 is less than Guideline PITIA months reserves of 3.00. Non-Prime Matrix dated 1/8/18 does not specify Cashout funds can be used for reserves. DTI of 41.58% is less than the guideline maximum of 45%.

Borrower has employment stability for over 5 years in the  [Redacted].

60% LTV < 80% guideline max -  $143,000 more equity than required by program guidelines

Borrower on this full documentation loan has a disposable income of $4,983.39, which is greater than the guideline requirement of $1,500.		 Reviewer Comment (2018-04-23): Lender approval to waive the reserve requirement has been provided.


Reviewer Comment (2018-04-23): When the guides are silent. refer to [Redacted] Selling Guide, which states that proceeds from a cash-out refinance are ineligible as a source of reserves.  Exception remains.
     04/23/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203151424 [Redacted] [Redacted] 6146492 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NV Second Home Purchase   C B A A B B C A Non QM Non QM No
203151424 [Redacted] [Redacted] 6146869 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] TRID non-compliant.  Seller paid fees on Seller's CD are not consistent with seller paid fees on Borrower's Final CD.  Seller's CD reflects $22,564.50 in seller paid fees.  Borrower's Final CD reflects $22,772.91 in seller paid fees.           2 B [Redacted] NV Second Home Purchase   C B A A B B C A Non QM Non QM Yes
203151425 [Redacted] [Redacted] 6145309 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203151425 [Redacted] [Redacted] 6146181 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.             2 B [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203151425 [Redacted] [Redacted] 6146185 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not proivded   Reviewer Comment (2018-04-24): Evidence of borrower's consent to receive documents electronically has been provided.
 04/24/2018     1 A [Redacted] SC Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203151425 [Redacted] [Redacted] 6146462 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $132.   Reviewer Comment (2018-04-18): Corrected COC date
 04/18/2018     1 A [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203151425 [Redacted] [Redacted] 6146466 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Application date [Redacted] disclosure date 2/5/18.   Reviewer Comment (2018-04-24): Evidence of borrower's receipt of the Settlement Service Provider List on 2/1/18 has been provided.
 04/24/2018     1 A [Redacted] SC Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203151425 [Redacted] [Redacted] 6146467 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $5,632.00 exceeds tolerance of $5,500.00.  Insufficient or no cure was provided to the borrower. (73109) The change of circumstance is dated 2/5/18 which is greater than 3 days prior to the revised  LE dated 3/4/18.   Reviewer Comment (2018-04-18): Corrected COC date
 04/18/2018     1 A [Redacted] SC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203151425 [Redacted] [Redacted] 6178676 [Redacted] [Redacted] 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. Application date [Redacted] disclosure date 2/5/18.   Reviewer Comment (2018-04-24): Evidence of borrower's receipt of the SC Regulatory Agency for Consumer Complaints on 2/1/18 has been provided.
 04/24/2018     1 A [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203151425 [Redacted] [Redacted] 6178677 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Application date [Redacted] Disclosure date 02/05/2018.   Reviewer Comment (2018-04-24): Evidence of borrower's receipt of the Initial ARM Disclosure on 2/1/18 has been provided.
 04/24/2018     1 A [Redacted] SC Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203151425 [Redacted] [Redacted] 6178678 [Redacted] [Redacted] 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. Application date [Redacted] Disclosure date 02/05/2018.   Reviewer Comment (2018-04-24): Evidence of borrower's receipt of the CHARM Booklet on 2/1/18 has been provided.
 04/24/2018     1 A [Redacted] SC Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203151425 [Redacted] [Redacted] 6189837 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing credit refresh / gap report dated within 10 days of closing.   Reviewer Comment (2018-04-24): Credit Report Comparison dated 3/14/18 has been provided.
 04/24/2018     1 A [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203151425 [Redacted] [Redacted] 6190315 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Application date [Redacted] Disclosure date 2/5/18   Reviewer Comment (2018-04-24): Evidence of borrower's receipt of the List of  Homeownership Counseling Organizations  on 2/1/18 has been provided.
 04/24/2018     1 A [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203151426 [Redacted] [Redacted] 6162582 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] The closing disclosure did not include an amount.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B A A Non QM Non QM Yes
203151426 [Redacted] [Redacted] 6162583 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. [Redacted] The seller's closing disclosure was not in the file.  The fees were input based on what was shown on the borrower's closing disclosure.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B B B B A A Non QM Non QM Yes
203151426 [Redacted] [Redacted] 6162594 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-25): PDI provided > 3 months after declaration date, no end date yet by FEMA


Reviewer Comment (2018-04-24): A Post Disaster Inspection dated 4/18/18 has been provided.  Exception cannot be cleared as there is no declared end date.
     04/25/2018 2 B [Redacted] CA Primary Purchase   B B B B B B A A Non QM Non QM No
203151427 [Redacted] [Redacted] 6146747 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] IL Primary Purchase   C B A A C B C A Non QM Non QM No
203151427 [Redacted] [Redacted] 6149649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] # of months was not disclosed on final CD           2 B [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151427 [Redacted] [Redacted] 6149650 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] No amount was disclosed on CD.   Reviewer Comment (2018-04-24): Lender's Attestation that Attorney's Fees of $1,000 were required by the vendor selected by the borrower has been provided. No zero percent tolerance violation exists.
 04/24/2018     1 A [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151427 [Redacted] [Redacted] 6149652 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney Review Fee.  Fee Amount of $1,000.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77166) Fee was not disclosed on LE and no cure was provided.   Reviewer Comment (2018-04-24): Lender's Attestation that Attorney's Fees of $1,000 were required by the vendor selected by the borrower has been provided. No zero percent tolerance violation exists.
 04/24/2018     1 A [Redacted] IL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151428 [Redacted] [Redacted] 6135993 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   Guidelines require more than the one tradeline.  Even the borrower's house that was sold in 2017 was free and clear. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-12): Credit Risk Summary & Exception approval p338
     04/12/2018 2 B [Redacted] CO Primary Purchase   C B C B B B C A Non QM Non QM No
203151428 [Redacted] [Redacted] 6135999 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CO Primary Purchase   C B C B B B C A Non QM Non QM No
203151428 [Redacted] [Redacted] 6136378 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] The borrower's closing disclosure shows two fees totaling $379 that the seller's disclosure does not show.           2 B [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203151428 [Redacted] [Redacted] 6180842 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Missing 3rd Party VVOE for [Redacted], within 10 days of closing 26 months reserves > 6 months guideline minimum

Residual income @ $68,000 bank statement loan		 Reviewer Comment (2018-04-23): Received Credit Risk Summary & Exception approval 4/23/18
     04/23/2018 2 B [Redacted] CO Primary Purchase   C B C B B B C A Non QM Non QM No
203151429 [Redacted] [Redacted] 6160811 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203151429 [Redacted] [Redacted] 6161675 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Borrowers signed on [Redacted]   Reviewer Comment (2018-04-19): Documents provided are unrelated to this exception.


Buyer Comment (2018-04-16): Please review the uploaded Disclosure Details.  The initial disclosure package was sent on [Redacted] which was within 3 business days.  The detail also shows the borrower received the package on 12/1/2017.   The ARM Disclosure was included in the initial package. The borrower signed the initial disclosure package on 1/8/2018.
       2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203151429 [Redacted] [Redacted] 6161684 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. [Redacted] Seller Closing Disclosure not located in the file.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203151429 [Redacted] [Redacted] 6186723 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. The ARM loan program disclosure dated 01/08/2018 was not provided within 3 day of the loan application date on [Redacted]   Reviewer Comment (2018-04-25): Evidence that the initial ARM disclosure was sent on 12/1/17 has been provided.


Buyer Comment (2018-04-25): uploaded a copy of the ARM disclosure sent in the initial disclosure package.


Reviewer Comment (2018-04-19): Received ARM Disclosure Tracking. Actual disclosure provided within three days of application required for compliance testing.


Buyer Comment (2018-04-16): Please review the uploaded Disclosure Details and Disclosure History.  The initial disclosure package was sent on 12/01/2017, which was within 3 business days.  The detail also show the borrower received the package on 12/1/2017.  The ARM Disclosure was included in the initial package.  The borrower signed the package on 1/8/2018.


Buyer Comment (2018-04-16): Please review the uploaded Disclosure Details.  The initial disclosure package was sent on 12/01/2017, which was within 3 business days.  The detail also shows the borrower received the package on 12/1/2017.   The ARM Disclosure was included in the initial package. The borrower signed the initial disclosure package on 1/8/2018.
 04/25/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203151429 [Redacted] [Redacted] 6190827 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.   Reviewer Comment (2018-04-19): Third Party Verification received in trailing documents. Exception cleared.


Buyer Comment (2018-04-16): Please review the uploaded Disclosure Details.  The initial disclosure package was sent on 12/01/2017, which was within 3 business days.  The detail also shows the borrower received the package on 12/1/2017.   The ARM Disclosure was included in the initial package. The borrower signed the initial disclosure package on 1/8/2018.  Also uploaded Verbal VOE from CPA dated 3/7/2018
 04/19/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203151429 [Redacted] [Redacted] 6190903 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (77179) While title fees on the LE were disclosed as shoppable, the new Title – Processing fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.       04/13/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C B C A C B C A Non QM Non QM Yes
203151431 [Redacted] [Redacted] 6182913 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign consent agreement is not evident loan documents indicate borrower received electronically.   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure B B A A B B A A Non QM Non QM No
203151431 [Redacted] [Redacted] 6247396 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] ADDED following receipt of E-Consent Disclosure provided.           2 B [Redacted] FL Primary Purchase No Defined Cure B B A A B B A A Non QM Non QM No
203151432 [Redacted] [Redacted] 6094294 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Investment Purchase   C B C B     C A     No
203151432 [Redacted] [Redacted] 6163214 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing pages 20, 25-29, and 35 of the 41 page document that contains the Note, etc.   Reviewer Comment (2018-04-16): received page 20, 25 and 29  Located 26, 27, 28, 35 and 41 in file


Reviewer Comment (2018-04-16): received page 20, 25 and 29 still missing pages 26, 27, 28, 35 and 41
 04/16/2018     1 A [Redacted] GA Investment Purchase   C B C B     C A     No
203151432 [Redacted] [Redacted] 6163287 [Redacted] [Redacted] Credit Credit Credit Eligibility Borrower has Credit Report: Original // Borrower:[Redacted] 2 open Tradelines which is less than the minimum required by guidelines. Only one active current debt shown on Credit Report [Redacted] ([Redacted] debt showing balance is dated 09/15), 6 mos required reserves, 300+ month reserves after closing Reviewer Comment (2018-04-16): Received Credit Risk Summary & Exception approval 4/16/18
     04/16/2018 2 B [Redacted] GA Investment Purchase   C B C B     C A     No
203151432 [Redacted] [Redacted] 6163322 [Redacted] [Redacted] Credit Guideline Guideline Issue Asset verification is less than 2 months verified as required by guidelines. [Redacted] Guidelines require assets used for closing and reserves to be sourced and seasoned for the past 60-days.   Reviewer Comment (2018-04-18): removed all accounts with just one month provided, and used 2 months printout for [Redacted] covering > 60 days
 04/18/2018     1 A [Redacted] GA Investment Purchase   C B C B     C A     No
203151433 [Redacted] [Redacted] 6114388 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203151434 [Redacted] [Redacted] 6112045 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Investment Refinance - Cash-out - Other   C A A A     C A     No
203151435 [Redacted] [Redacted] 6120704 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Investment Purchase   C A A A     C A     No
203151435 [Redacted] [Redacted] 6120749 [Redacted] [Redacted] Compliance Loan Package Documentation Closing / Title (Missing Doc) PUD Rider was not provided.   Missing PUD Rider.   Reviewer Comment (2018-05-15): Included in TD
 05/15/2018     1 A [Redacted] NC Investment Purchase   C A A A     C A     No
203151435 [Redacted] [Redacted] 6178759 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   Missing pages 30, 34, and 35 of the Note   Reviewer Comment (2018-04-24): Missing pages of the note have been provided.
 04/24/2018     1 A [Redacted] NC Investment Purchase   C A A A     C A     Yes
203151436 [Redacted] [Redacted] 6162099 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MD Primary Purchase   C B A A C B C A Non QM Non QM No
203151436 [Redacted] [Redacted] 6162531 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign Consent Agreement   Reviewer Comment (2018-04-24): Evidence of borrower's consent to receive documents electronically has been received.
 04/24/2018     1 A [Redacted] MD Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203151436 [Redacted] [Redacted] 6162535 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Disclosed $0.00, Calculated $540.00.   Reviewer Comment (2018-04-24): Lender's Attestation that title fees were required by the vendor selected by the borrower has been provided.  No zero percent tolerance violation exists.
 04/24/2018     1 A [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151436 [Redacted] [Redacted] 6162536 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] The seller CD is showing the closing costs of $47,812.50; whereas the borrower CD is showing the seller closing costs of $45,812.50.   Reviewer Comment (2018-04-24): Post Close CD disclosing all seller paid fees, letter of explanation to the borrower and evidence of delivery have been provided.
   04/24/2018   2 B [Redacted] MD Primary Purchase   C B A A C B C A Non QM Non QM Yes
203151436 [Redacted] [Redacted] 6162537 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $500.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Cost to cure $500.00 due Borrower.  Fee was not disclosed on initial LE or by valid change in circumstance.   Reviewer Comment (2018-04-24): Lender's Attestation that title fees were required by the vendor selected by the borrower has been provided.  No zero percent tolerance violation exists.
 04/24/2018     1 A [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151436 [Redacted] [Redacted] 6162538 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $40.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77208) Cost to cure $40.00 due Borrower.  Fee was not disclosed on initial LE or by valid change in circumstance.   Reviewer Comment (2018-04-24): Lender's Attestation that title fees were required by the vendor selected by the borrower has been provided.  No zero percent tolerance violation exists.
 04/24/2018     1 A [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151437 [Redacted] [Redacted] 6097876 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151437 [Redacted] [Redacted] 6097885 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Balloon Rider was not provided.   Maturity date per Note is [Redacted]   Reviewer Comment (2018-04-25): Received correct Note - No rider required


Buyer Comment (2018-04-25): Note: This was not a Balloon Note, but we did have to have the Note corrected--see TD uploaded


Reviewer Comment (2018-04-24): Balloon Rider has not been provided.  Exception remains.
 04/25/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151437 [Redacted] [Redacted] 6167557 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Loan amounts less than $75,000 are not permitted according to the guidelines   Credit Risk Summary & Exception Approval in file, page 93. Loan Amount: Less than minimum allowed by program. Compensating Factors: 1) Credit Score. 2) Other: Repeat Client. 717 > 660 minimum credit score Reviewer Comment (2018-04-12): Compensating Factors: 1) Credit Score. 2) Other: Repeat Client.
     04/12/2018 2 B [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151437 [Redacted] [Redacted] 6168093 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing pages 21, 25, 26, 32 and 36 of the 44 page document containing the Note, etc.   Reviewer Comment (2018-04-25): Located in file


Buyer Comment (2018-04-25): Note: pages 37-44 are not missing please re-review the pages again please. thanks


Reviewer Comment (2018-04-24): Pages 21. 25, 26, 32, 36 have been provided.  Please provided pages 37-44.


Buyer Comment (2018-04-17): Pages 25 and 36 not missing; please take another look.
 04/25/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151438 [Redacted] [Redacted] 6088952 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note Addendum - Prepayment not provided   The mortgage rider was included but not the note addendum.   Reviewer Comment (2018-04-20): Received
 04/20/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203151438 [Redacted] [Redacted] 6089165 [Redacted] [Redacted] Credit Credit General Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the title evidence in file. An updated commitment was not in the file.   Reviewer Comment (2018-04-20): Received updated title commitment
 04/20/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203151438 [Redacted] [Redacted] 6089441 [Redacted] [Redacted] Credit Investment Product General Exception Security Instrument Error: Assignment of Leases/Rents is not in the file and required by guidelines Document: Assignment of Leases/Rents     Reviewer Comment (2018-04-20): Included on page 12 of Security Instrument
 04/20/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203151438 [Redacted] [Redacted] 6089573 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing 1003 Error: Creditor Application Date was not provided   Application date was not indicated.   Reviewer Comment (2018-04-23): complete application in file
 04/23/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203151438 [Redacted] [Redacted] 6089977 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203151439 [Redacted] [Redacted] 6097533 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Loan Payoff Statement not provided       Reviewer Comment (2018-04-24): Rec'd payoff statement
 04/24/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151439 [Redacted] [Redacted] 6097663 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151439 [Redacted] [Redacted] 6153493 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Loan amounts less than $75,000 are not permitted according to the guidelines   Credit Risk Summary & Exception Approval in file, page 93. Loan Amount: Less than minimum allowed by program. Compensating Factors: 1) Credit Score. 2) Other: Repeat client. 717 > 660 score Reviewer Comment (2018-05-18): This was waived 4/25/18


Buyer Comment (2018-04-25): Note: Please re-look in file as page #39 is in file, thanks


Reviewer Comment (2018-04-11): Compensating Factors: 1) Credit Score. 2) Other: Repeat client.
     04/11/2018 2 B [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151439 [Redacted] [Redacted] 6153625 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   LLC name is spelled incorrectly on all the Closing documents, should be [Redacted] not [Redacted].   Reviewer Comment (2018-05-18): Rec'd fully-executed Scrivener's Affidavit containing recording attestation.


Buyer Comment (2018-05-17): Note: Please Dis-Regard 1st TD uploaded 8:06 52am and review 2nd TD at 8:06 54am; also Note that the Scrivener’s Affidavit states that it will be recorded with the County, so there is no need for Attestation Letter


Reviewer Comment (2018-04-24): Rec'd un-executed, un-recorded Scrivener's Affidavit.  Provide executed affidavit and attestation letter that it will be sent for recording.


Buyer Comment (2018-04-17): Waiting on scriveners affidavit to be returned back to us
 05/18/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151439 [Redacted] [Redacted] 6153991 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing pages 29, 35 and 39 of 47 page Closing document that contains the Note, Mortgage, etc.   Reviewer Comment (2018-04-30): All missing pages have been provided.


Buyer Comment (2018-04-30): Note: Page 39 is not missing (which is Payment Letter to the Borrower)--please re-look in file. Thanks


Reviewer Comment (2018-04-24): Rec'd 29 and 35.  Missing page 39 of 47.
 04/30/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151440 [Redacted] [Redacted] 6141538 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] IL Primary Purchase   C B A A C B C A Non QM Non QM No
203151440 [Redacted] [Redacted] 6141633 [Redacted] [Redacted] Compliance Compliance State Compliance Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.     Reviewer Comment (2018-04-24): IL Certificate of Compliance has been provided.
 04/24/2018     1 A [Redacted] IL Primary Purchase   C B A A C B C A Non QM Non QM No
203151440 [Redacted] [Redacted] 6177917 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): Evidence of borrowers' consent to receive documents electronically has been received.
 04/24/2018     1 A [Redacted] IL Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203151440 [Redacted] [Redacted] 6188287 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Consumer CD discloses $40.00 higher Title – Wire fee paid by Seller at closing not disclosed on Seller’s CD.  Seller’s CD discloses $100.00 HOA Dues, $255.00 HOA Transfer, $50.00 higher amount Title – Attorney review, $244.29 Sanitation and $40.37 SOA fees paid by Seller at closing not disclosed on Consumer’s CD           2 B [Redacted] IL Primary Purchase   C B A A C B C A Non QM Non QM Yes
203151443 [Redacted] [Redacted] 6160668 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B A A B B C A Non QM Non QM No
203151443 [Redacted] [Redacted] 6160905 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose figures for prepaid interest under Prepaids. [Redacted] Prepaid interest from 3/19/18 reflected on the final CD provided shows $1237.50 and should be $536.25 13x$41.25=$536.25           2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203151444 [Redacted] [Redacted] 6152545 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.40193% exceeds Guideline total debt ratio of 45.00000%. 48.10% > 45% Portfolio Select Bank Statement program.  Lender's 48.689% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 772 Credit Score, Credit History and 25% Payment Shock Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-04-13): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 772 Credit Score, Credit History and 25% Payment Shock
     04/13/2018 2 B [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203151444 [Redacted] [Redacted] 6152546 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203151444 [Redacted] [Redacted] 6152856 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,266.40 exceeds tolerance of $1,215.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Final Closing Disclosure discloses a $51.40 Lender cure credit for tolerance       04/11/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203151444 [Redacted] [Redacted] 6193088 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. [Redacted] [Redacted]           2 B [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203151445 [Redacted] [Redacted] 6146032 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203151445 [Redacted] [Redacted] 6146254 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Seller CD seller paid fees vary from Borrower CD seller paid fees           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203151445 [Redacted] [Redacted] 6176737 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign consent is missing from the file.   Reviewer Comment (2018-04-23): Received E-Sign dated 2/27/18
 04/23/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151445 [Redacted] [Redacted] 6270705 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Received E-Sign dated 2/27/18           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151445 [Redacted] [Redacted] 6270706 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] Received E-Sign dated 2/27/18           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151446 [Redacted] [Redacted] 6112252 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203151446 [Redacted] [Redacted] 6112332 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.             2 B [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203151446 [Redacted] [Redacted] 6160164 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [Redacted]             2 B [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203151446 [Redacted] [Redacted] 6160165 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203151446 [Redacted] [Redacted] 6161455 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses $12,500.00 Real Estate Commission Sellers Broker paid by Seller at closing that is not disclosed on Seller's CD           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203151446 [Redacted] [Redacted] 6164997 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification within 10 days of closing   Reviewer Comment (2018-04-23): Received


Buyer Comment (2018-04-20): The third party VOE from the CPA was done on 3/12/18 which is 4 days prior to closing.


Buyer Comment (2018-04-12): There is a letter from the borrower's CPA dated 3/12/18 (pg116) that was uploaded with the loan documents, and the CPA's verification starts on page 120.  Closing was on 3/16/2018.  Third party verification was done within 10 days of closing.  Please review and advise.
 04/23/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203151447 [Redacted] [Redacted] 6101999 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Missing Final 1003   The only 1003 in the file is not signed or dated, unable to determine if it is the final.   Reviewer Comment (2018-04-24): Fully executed final application has been provided.
 04/24/2018     1 A [Redacted] FL Investment Purchase   C A C A     A A     No
203151447 [Redacted] [Redacted] 6149571 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Condo Rider was not provided.       Reviewer Comment (2018-04-24): Condominium Rider has been provided.
 04/24/2018     1 A [Redacted] FL Investment Purchase   C A C A     A A     No
203151447 [Redacted] [Redacted] 6168607 [Redacted] [Redacted] Credit Insurance Insurance Documentation The Blanket Coverage for a Condo does not meet guidelines.   Missing condominium blanket master property insurance.   Reviewer Comment (2018-04-24): Condo Master hazard insurance coverage has been provided.


Reviewer Comment (2018-04-24): Evidence of condominium liability and fidelity bond coverages has been provided.  Master hazard policy is missing and is required.
 04/24/2018     1 A [Redacted] FL Investment Purchase   C A C A     A A     No
203151447 [Redacted] [Redacted] 6169344 [Redacted] [Redacted] Credit Assets Asset Documentation Missing Document: Asset Documentation not provided   Missing source of Earnest Money deposits totaling $35,000 ($25,000 + $10,000) per letter from [Redacted]. (short funds to close without documentation)   Reviewer Comment (2018-04-30): Account transfer/source of funds information provided.


Reviewer Comment (2018-04-24): Evidence of wire transfer of EMD has been provided, but source account information is missing to verify owner of the funds and account type.
 04/30/2018     1 A [Redacted] FL Investment Purchase   C A C A     A A     No
203151447 [Redacted] [Redacted] 6169865 [Redacted] [Redacted] Credit Credit Borrower Eligibility Non-permanent Resident Aliens or Foreign Nationals are considered on a case by case basis.  Confirm residency requirements with Investor Guidelines.   Permanent Resident is allowed per guidelines, but missing a copy of the Borrowers Permanent Resident card.   Reviewer Comment (2018-04-24): A copy of the guarantor's Permanent Resident Alien Card has been provided.
 04/24/2018     1 A [Redacted] FL Investment Purchase   C A C A     A A     No
203151448 [Redacted] [Redacted] 6146653 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203151448 [Redacted] [Redacted] 6146666 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   Per guidelines, maximum payment shock is 300%.  Payment shock on loan is 508.92513%.   Reviewer Comment (2018-04-19): Previous home free and clear Payment shock not applicable
 04/19/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203151448 [Redacted] [Redacted] 6184468 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.96878% exceeds Guideline total debt ratio of 45.00000%. Guideline is 45% and DTI for the loan is 45.77495% Borrower has employment stability for 17 years in the [Redacted].

33.95 months reserves > 6 months guideline minimum - borrowers have verified reserves of $67,105.32.		 Reviewer Comment (2018-04-24): Client has elected to waive the exception for DTI in excess of guideline maximum.
     04/24/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203151448 [Redacted] [Redacted] 6184539 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-04-24): Received Credit Risk Summary & Exception approval 4/24/18
 04/24/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203151448 [Redacted] [Redacted] 6184540 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-04-24): Received Credit Risk Summary & Exception approval 4/24/18
 04/24/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203151449 [Redacted] [Redacted] 6155004 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 40.47136% exceeds Guideline housing ratio of 40.00000%. Exception approval for DTI is located in the file on page 539 Borrower's mortgage payment decreased by $4,558.42 per month

Borrower has employment stability for 10.8 years in the [Redacted] industry.

DTI is at 720.   No adverse credit on the report.		 Reviewer Comment (2018-04-16): Credit Risk Summary & Exception approval p539
     04/16/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B B B A A Non QM Non QM No
203151449 [Redacted] [Redacted] 6155560 [Redacted] [Redacted] Credit Data Verification General The Investor's qualifying total debt ratio is less than the Non-QM qualifying total debt ratio. Investor's qualifying DTI: 44.92108%
Non-QM qualifying DTI: 53.07877%		 Investor qualifying DTI 44.89256% Non-QM using greater of the fully indexed rate at fully amortized payment for the note rate is 51.87630%           2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B B B A A Non QM Non QM No
203151449 [Redacted] [Redacted] 6188398 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Value TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed an Appraised Property Value that did not match the actual Property Value for the loan. [Redacted] Appraised value on both valuations is showing at $2,300,000; whereas the final approval and 1008 is using an appraised value at $2,208,333.           2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203151449 [Redacted] [Redacted] 6210903 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $2,150.00 exceeds tolerance of $1,450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Cured at closing.       04/17/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203151450 [Redacted] [Redacted] 6130332 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203151451 [Redacted] [Redacted] 6157534 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.88480% or Final Disclosure APR of 6.91000% is in excess of allowable threshold of APOR 4.28% + 2.5%, or 6.78000%.  Compliant Rate Spread Home Loan. Disclosed APR 6.91000% and Calculated APR 6.88480% > 6.78000% Tolerance           2 B [Redacted] NC Primary Purchase   B B A A B B A A Non QM Non QM No
203151451 [Redacted] [Redacted] 6157537 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $59,776.76 Payoff on Collateral Loan to  [Redacted], $287.41 [Redacted], $350.00 Title - Document Preparation Fee and $75.00 Title - Wire /Funding/ Disbursement Fee paid by Seller at closing not disclosed on Consumer CD           2 B [Redacted] NC Primary Purchase   B B A A B B A A Non QM Non QM Yes
203151451 [Redacted] [Redacted] 6188146 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] NC Primary Purchase No Defined Cure B B A A B B A A Non QM Non QM No
203151452 [Redacted] [Redacted] 6157377 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203151453 [Redacted] [Redacted] 6156302 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   383.65068% > 350% Platinum program.  Lender's 393% > 350%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 25 months reserves and $235,326.66 residual income Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx

xx.x months reserves > xx months guideline minimum - borrowers have verified reserves of $x,xxx.xx		 Reviewer Comment (2018-04-15): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 25 months reserves and $235,326.66 residual income
     04/15/2018 2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM No
203151453 [Redacted] [Redacted] 6188226 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B B B A A Non QM Non QM No
203151453 [Redacted] [Redacted] 6188242 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. [Redacted] .           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203151453 [Redacted] [Redacted] 6188692 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-16): Appraisal and interior inspection 2/23/18
     04/16/2018 2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM No
203151454 [Redacted] [Redacted] 6166277 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.17860% or Final Disclosure APR of 6.21600% is in excess of allowable threshold of APOR 4.09% + 1.5%, or 5.59000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Refinance - Rate/Term   C B C B B B A A Non QM Non QM No
203151454 [Redacted] [Redacted] 6191403 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $930.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $180.00 Lender credit for tolerance       04/13/2018   1 A [Redacted] NC Primary Refinance - Rate/Term Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203151454 [Redacted] [Redacted] 6201456 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [Redacted] Third Party Verification Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.   Reviewer Comment (2018-04-20): Received
 04/20/2018     1 A [Redacted] NC Primary Refinance - Rate/Term   C B C B B B A A Non QM Non QM No
203151454 [Redacted] [Redacted] 6201606 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Issue:  Refinance seasoning requirements not met   The loan amount is based off of current value vs. acquisition cost. Credit score 723

Borrower has job stability for 10 years		 Reviewer Comment (2018-04-20): Received Credit Risk Summary & Exception approval 4/20/18


Reviewer Comment (2018-04-20): received comp factors


Reviewer Comment (2018-04-16): Exception in file for seasoning requirements not met.
     04/20/2018 2 B [Redacted] NC Primary Refinance - Rate/Term   C B C B B B A A Non QM Non QM No
203151455 [Redacted] [Redacted] 6135012 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B A A C B C A Non QM Non QM No
203151455 [Redacted] [Redacted] 6135111 [Redacted] [Redacted] 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.     Reviewer Comment (2018-04-13): Data was corrected on subsequent CDs (SFIG).
 04/13/2018     1 A [Redacted] CA Primary Purchase   C B A A C B C A Non QM Non QM No
203151455 [Redacted] [Redacted] 6135113 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. No e-sign document located in file           2 B [Redacted] CA Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203151455 [Redacted] [Redacted] 6135116 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Mortgage notarized [Redacted]           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151455 [Redacted] [Redacted] 6135129 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD is showing the closing costs of $9,295.80; whereas the borrower final CD is showing the seller closing costs of $0.   Reviewer Comment (2018-04-13): Data was corrected on subsequent CDs (SFIG).
 04/13/2018     1 A [Redacted] CA Primary Purchase   C B A A C B C A Non QM Non QM Yes
203151455 [Redacted] [Redacted] 6174166 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/403347) The final CD is showing figures that do not match with the Tax/Insurance documentation in the file.   The annual Homeowners Insurance is $512 and the Semi Annual Tax amount is $3,131.28.   Reviewer Comment (2018-04-13): Data was corrected on subsequent CDs (SFIG).
 04/13/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151455 [Redacted] [Redacted] 6174167 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/403348) The final CD is showing figures that do not match with the Tax/Insurance documentation in the file.   The annual Homeowners Insurance is $512 and the Semi Annual Tax amount is $3,131.28.   Reviewer Comment (2018-04-13): Data was corrected on subsequent CDs (SFIG).
 04/13/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151455 [Redacted] [Redacted] 6174168 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/403349) The final CD is showing figures that do not match with the Tax/Insurance documentation in the file.   The annual Homeowners Insurance is $512 and the Semi Annual Tax amount is $3,131.28.   Reviewer Comment (2018-04-13): Data was corrected on subsequent CDs (SFIG).
 04/13/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151455 [Redacted] [Redacted] 6174169 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/403350) The final CD is showing figures that do not match with the Tax/Insurance documentation in the file.   The annual Homeowners Insurance is $512 and the Semi Annual Tax amount is $3,131.28.   Reviewer Comment (2018-04-13): Data was corrected on subsequent CDs (SFIG).
 04/13/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151455 [Redacted] [Redacted] 6174260 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/403347) The final CD is showing figures that do not match with the Tax/Insurance documentation in the file.   The annual Homeowners Insurance is $512 and the Semi Annual Tax amount is $3,131.28.   Reviewer Comment (2018-04-13): Data was corrected on subsequent CDs (SFIG).
 04/13/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203151455 [Redacted] [Redacted] 6183944 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on [Redacted] disclosed a Pad fee that was not allocated to a specific cost or service performed. [Redacted] .   Reviewer Comment (2018-04-13): Data was corrected on subsequent CDs (SFIG).
 04/13/2018     1 A [Redacted] CA Primary Purchase Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151456 [Redacted] [Redacted] 6135824 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203151456 [Redacted] [Redacted] 6178638 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 11.55 is less than Guideline PITIA months reserves of 12.00.   25% DTI on this Full documentation loan < 50% guideline max

Borrower on this full documentation loan has a disposable income of $9700		 Reviewer Comment (2018-04-23): Received Credit Risk Summary & Exception approval 4/23/18
     04/23/2018 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203151458 [Redacted] [Redacted] 6166478 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $225.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Fee was not disclosed on Loan Estimate.       04/12/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Non QM Non QM Yes
203151459 [Redacted] [Redacted] 6164657 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B B B B B C A Non QM Non QM No
203151459 [Redacted] [Redacted] 6164725 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 Post disaster inspection is not available Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-25): PDI dated >3 months after declaration date on FEMA with no end date showing no damage


Reviewer Comment (2018-04-24): Post Disaster Inspection report dated 4/19/18 has been provided.  Unable to clear the exception due to the fact that there is no declared end date.
     04/25/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B B B B B C A Non QM Non QM No
203151459 [Redacted] [Redacted] 6165040 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document cannot be located in the file   Reviewer Comment (2018-04-24): Evidence of borrower's consent to receive documents electronically has been provided.
 04/24/2018     1 A [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C B B B B B C A Non QM Non QM No
203151459 [Redacted] [Redacted] 6165041 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] The CD reflects [Redacted] whereas the notary date on the security instrument is [Redacted]   Reviewer Comment (2018-04-24): An unsigned CD dated [Redacted] and showing closing date of [Redacted] has been provided.  A post close CD, letter or explanation to the borrower disclosing the reason for the changes and evidence of delivery are required.
       2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B B B B B C A Non QM Non QM Yes
203151459 [Redacted] [Redacted] 6202163 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.           2 B [Redacted] CA Primary Refinance - Rate/Term Good Faith Redisclosure C B B B B B C A Non QM Non QM Yes
203151460 [Redacted] [Redacted] 6141669 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.54857% exceeds Guideline total debt ratio of 45.00000%. 49.55% > 45% Non-Prime program.  Lender's 49.15% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: [Redacted]% LTV and  stable employment history Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination		 Reviewer Comment (2018-04-12): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: [Redacted]% LTV and  stable employment history
     04/12/2018 2 B [Redacted] GA Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203151460 [Redacted] [Redacted] 6141679 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203151460 [Redacted] [Redacted] 6141863 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $577.50 exceeds tolerance of $546.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Final Closing Disclosure discloses a $31.50 Lender cure credit for tolerance       04/10/2018   1 A [Redacted] GA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B A A C A Non QM Non QM Yes
203151460 [Redacted] [Redacted] 6179305 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.81 is less than Guideline PITIA months reserves of 3.00. 0.81 months ($1,699.69) < 3 months ($6,296.01) Non Prime program. Lender's 4 months calculation not supported by asset documentation in file. Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination

Borrower has employment stability for 17 years in [Redacted].

LTV of [Redacted]% is less that the guideline maximum of 75%.  Borrowers has $[Redacted] more equity than required by the guidelines.		 Reviewer Comment (2018-04-24): Client has elected to waive the reserve requirement.
     04/24/2018 2 B [Redacted] GA Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203151460 [Redacted] [Redacted] 6180704 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower:[Redacted] VVOE - Employment Only Within 10 days of closing   Reviewer Comment (2018-04-24): Verification of Employment dated within 10  days of closing has been provided.
 04/24/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203151461 [Redacted] [Redacted] 6114383 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing 1003 Error: Creditor Application Date was not provided       Reviewer Comment (2018-04-23): IN loan package provided
 04/23/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A C A     A A     No
203151462 [Redacted] [Redacted] 6155852 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203151462 [Redacted] [Redacted] 6196831 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203151462 [Redacted] [Redacted] 6196834 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [Redacted] Disclosed 12 month Homeowner’s Insurance Premium of $962.00 should be $945.00 @ $78.75 per month.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203151462 [Redacted] [Redacted] 6196843 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Consumer CD discloses a higher $50.00 Title - Courier fee paid by Seller at closing vs $25.00 amount disclosed on Seller CD           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203151463 [Redacted] [Redacted] 6154308 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203151463 [Redacted] [Redacted] 6154495 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. [Redacted] Seller CD not provided.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203151464 [Redacted] [Redacted] 6168884 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] IN Primary Refinance - Cash-out - Debt Consolidation   C B C A B B C A Non QM Non QM No
203151464 [Redacted] [Redacted] 6169768 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign consent agreement not provided.   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] IN Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C A B B C A Non QM Non QM No
203151464 [Redacted] [Redacted] 6202725 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing gap report / credit refresh dated within 10 days of closing.   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] IN Primary Refinance - Cash-out - Debt Consolidation   C B C A B B C A Non QM Non QM No
203151464 [Redacted] [Redacted] 6202849 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.   Reviewer Comment (2018-04-24): A corrected post close CD has been provided.  However, the letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery have not been provided and are required to clear the exception.
       2 B [Redacted] IN Primary Refinance - Cash-out - Debt Consolidation Good Faith Redisclosure C B C A B B C A Non QM Non QM Yes
203151465 [Redacted] [Redacted] 6153921 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.88099% exceeds Guideline total debt ratio of 45.00000%. 48.88% > 45% Non-Prime program.  Lender's 48.77% DTI > 45%.  Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: 24 months reserves and $6,314.78 residual income Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-13): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: 24 months reserves and $6,314.78 residual income
     04/13/2018 2 B [Redacted] NV Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203151465 [Redacted] [Redacted] 6153959 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NV Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203151465 [Redacted] [Redacted] 6184662 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] NV Primary Refinance - Cash-out - Other No Defined Cure C B C B B A C A Non QM Non QM No
203151465 [Redacted] [Redacted] 6192042 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 3.00. Missing verification 3 months ($6,661.92) PITI reserves Non-Prime program   Reviewer Comment (2018-04-24): Documentation of reserves has been provided.
 04/24/2018     1 A [Redacted] NV Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203151466 [Redacted] [Redacted] 6142161 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203151466 [Redacted] [Redacted] 6142515 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. The file is missing the E-consent form signed by the borrower.   Reviewer Comment (2018-04-24): Evidence of borrower's consent to receive documents electronically has been provided.
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203151466 [Redacted] [Redacted] 6142516 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). [Redacted] The mortgage broker name is missing from the final CD.   Reviewer Comment (2018-04-24): A post close CD including the broker's name, a copy of the letter of explanation to the borrower and evidence of delivery have been provided.
   04/24/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203151466 [Redacted] [Redacted] 6175531 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of [Redacted] is less than Guideline minimum loan amount of $150,000.00. Loan amount under $150,000 minimum loan amount. Borrower's mortgage payment decreased by $484.17 per month

Borrower on this full documentation loan has a disposable income of $6,302.41, which is in excess of the guideline requirement of $3,000.		 Reviewer Comment (2018-04-24): Client has elected to waive the exception for the loan amount being less than the guideline minimum loan amount.
     04/24/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203151467 [Redacted] [Redacted] 6166915 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Verification of Identification not provided   Per credit guidelines, Valid Visa and or a copy of the front and back of the Green Card is required. Only front copy of Permanent Resident card is evident.   Reviewer Comment (2018-04-25): A copy of the back of the borrower's Permanent Resident Alien Card has been provided.


Buyer Comment (2018-04-25): uploaded back of Permanent Resident Card
 04/25/2018     1 A [Redacted] MD Primary Purchase   C B C B C B A A Non QM Non QM No
203151467 [Redacted] [Redacted] 6167204 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.96 is less than Guideline PITIA months reserves of 6.00. PITIA months reserves of 1.87 does not meet 6-month requirement but meets the exception policy based on compensating factors of Credit History and residual income of $20,306.12 per month (minimum $2,500). Residual income, credit history. Reviewer Comment (2018-04-16): Exception in file for reserve requirements not met and DTI > maximum allowed.
     04/16/2018 2 B [Redacted] MD Primary Purchase   C B C B C B A A Non QM Non QM No
203151467 [Redacted] [Redacted] 6167209 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.95081% exceeds Guideline total debt ratio of 45.00000%. DTI does exceed 45% but meets the exception policy based on compensating factors of Credit History and residual income of $20,306.12 per month (minimum $2,500). Residual income, credit history. Reviewer Comment (2018-04-16): Exception in file for reserve requirements not met and DTI > maximum allowed.
     04/16/2018 2 B [Redacted] MD Primary Purchase   C B C B C B A A Non QM Non QM No
203151467 [Redacted] [Redacted] 6168315 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) Maryland Higher-Priced Mortgage Loan:  Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. Receipt or acknowledgment of document is not evident.   Reviewer Comment (2018-04-23): Attestation letter
 04/23/2018     1 A [Redacted] MD Primary Purchase   C B C B C B A A Non QM Non QM No
203151467 [Redacted] [Redacted] 6168316 [Redacted] [Redacted] Compliance Compliance State Compliance Maryland HPML Threshold Test Non-Compliant Maryland Higher-Priced Mortgage Loan: APR on subject loan of 6.88600% or Final Disclosure APR of 6.92000% is in excess of allowable threshold of APOR 4.25% + 2.5%, or 6.75000%.  Non-Compliant Higher Priced Loan. Confirmed per the Compliance report the loan has been identified as a Higher priced mortgage and is non-compliant.   Reviewer Comment (2018-04-23): Attestation letter
 04/23/2018     1 A [Redacted] MD Primary Purchase   C B C B C B A A Non QM Non QM No
203151467 [Redacted] [Redacted] 6168318 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] The seller's CD reflects $102,500 whereas the borrower's CD reflects 0.           2 B [Redacted] MD Primary Purchase   C B C B C B A A Non QM Non QM Yes
203151467 [Redacted] [Redacted] 6203543 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,565.00 exceeds tolerance of $1,430.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Cured at closing.       04/16/2018   1 A [Redacted] MD Primary Purchase Final CD evidences Cure C B C B C B A A Non QM Non QM Yes
203151470 [Redacted] [Redacted] 6107680 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Corporate Resolution not provided   Business entity does not use corporate resolution.   Reviewer Comment (2018-04-18): Received document stating borrower is Initial and single memeber of LLC
 04/18/2018     1 A [Redacted] GA Investment Refinance - Cash-out - Other   C A C A     A A     No
203151472 [Redacted] [Redacted] 6169541 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203151472 [Redacted] [Redacted] 6170678 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not provided   Reviewer Comment (2018-04-24): Evidence of borrower's consent to receive documents electronically has been received.
 04/24/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203151472 [Redacted] [Redacted] 6170686 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Lender cure was $50 accommodating the amount exceeding the tolerance limit       04/12/2018   1 A [Redacted] TX Primary Purchase Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203151472 [Redacted] [Redacted] 6193149 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.99 is less than Guideline PITIA months reserves of 6.00. Calculated PITIA months reserves of 5.99 is less than Guideline PITIA months reserves of 6.00. Final 1003 asset accounts do not match provided documentation. Borrower has employment stability for 6 years as [Redacted]

Borrower's housing ratio is less than 20%.		 Reviewer Comment (2018-04-24): Client has elected to waive the requirement for reserves.
     04/24/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203151472 [Redacted] [Redacted] 6193238 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure provided $50 tolerance cure towards appraisal fee but did not include policy guarantee fee excess of $4.50.  While title fees on the LE were disclosed as shoppable, the new Title – Guaranty fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-24): Exception to be cured rather than cleared.


Reviewer Comment (2018-04-24): Lender provided Attestation that Policy Guarantee Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
   04/24/2018   2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203151472 [Redacted] [Redacted] 6193239 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. [Redacted] Seller Closing Disclosure Seller Paid Fees of $20759.56 and Closing Disclosure  discloses $21,124.56.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203151472 [Redacted] [Redacted] 6193240 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $800.00.  Insufficient or no cure was provided to the borrower. (7506) $50 lender cure provided covers appraisal fee amount exceeding legal tolerance.   Reviewer Comment (2018-04-16): $50 cure on final CD.
   04/16/2018   2 B [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203151472 [Redacted] [Redacted] 6193241 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) This fee not disclosed on Loan Estimate and no cure provided.  While title fees on the LE were disclosed as shoppable, the new Title – Guaranty fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-24): Lender provided Attestation that Policy Guarantee Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
   04/24/2018   2 B [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203151472 [Redacted] [Redacted] 6205064 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   The [Redacted] statement reflects a mortgage [Redacted] (pg 669) with a balance of $[Redacted] and a monthly payment of $759.60.  Unable to determine what property secures this loan.  DTI subject to change.   Reviewer Comment (2018-05-04): Verification of mortgage and property have been provided.


Reviewer Comment (2018-04-27): No new documents have been uploaded.


Reviewer Comment (2018-04-26): Nothing uploaded.
 05/04/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203151472 [Redacted] [Redacted] 6205392 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.06256% exceeds Guideline total debt ratio of 45.00000%. An additional, unidentified mortgage was noted on borrower's [Redacted] statement.  Included the PITI payment of $759.60 in qualifying, increasing the DTI to 47.06256%.  Gap report also reflects changes in balances and payments. Borrower has employment stability for 6 years as [Redacted].

Borrower's housing ratio is less than 20%.		 Reviewer Comment (2018-05-04): Client has elected to waive exception for DTI  of 47.06% exceeding guideline of 45%.  Evidence of PITI on [Redacted] has been provided along with Credit Risk Summary & Exception Approval.  Comp factors: Employment stability; low housing ratio.


Reviewer Comment (2018-04-26): Received CRE Still need to verify PITIA as DTI subject


Reviewer Comment (2018-04-26): Nothing uploaded.


Reviewer Comment (2018-04-24): Lender has elected to waive the exception regarding DTI.  However, until the PITI and address associated with the [Redacted] mortgage are verified, DTI is subject to change and the waiver cannot be applied.
     05/04/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203151472 [Redacted] [Redacted] 6205452 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-05-11): Cleared based on acceptance of DTI


Reviewer Comment (2018-05-11): To rerun based on acceptance of DTI


Reviewer Comment (2018-04-27): Client elects to waive DTI requirement.


Reviewer Comment (2018-04-26): Nothing uploaded.
 05/11/2018     1 A [Redacted] TX Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203151472 [Redacted] [Redacted] 6205453 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-05-11): Cleared based on acceptance of DTI


Reviewer Comment (2018-05-11): To rerun based on acceptance of DTI


Reviewer Comment (2018-04-27): Client elects to waive DTI requirement.


Reviewer Comment (2018-04-26): Nothing uploaded.
 05/11/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203151473 [Redacted] [Redacted] 6160471 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Connecticut Non-Prime Home Loan (APR Exceeds Non-Prime Threshold) Connecticut Non-Prime Home Loan: APR on subject loan of 6.91840% is in excess of allowable threshold of APOR 4.21% + 1.5%, or 5.71000%.  Compliant Loan. Fees reflect loan is a compliant HPML.           2 B [Redacted] CT Primary Purchase   C B A A C B A A Non QM Non QM No
203151473 [Redacted] [Redacted] 6189662 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] No amount was listed on LE   Reviewer Comment (2018-04-24): Lender's Attestation that the Title Search fee was required by the vendor selected by the borrowers has been provided.  There is no zero percent tolerance violation.
 04/24/2018     1 A [Redacted] CT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
203151473 [Redacted] [Redacted] 6189663 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. [Redacted] LE sent electronically 2/2/18 prior to E-Consent date of 2/7/18   Reviewer Comment (2018-04-24): Per Disclosure tracking in file, the initial LE was also sent on 2/2/18 by US Mail.  Evidence of prior consent not required.


Buyer Comment (2018-04-18): Please note:  Application was taken on [Redacted]. Disclosures were sent to the borrower on [Redacted], which is within 3 days of application.  The borrowers signed the documents, including the E-consent on [Redacted].  This still meets TRID guidelines.
 04/24/2018     1 A [Redacted] CT Primary Purchase No Defined Cure C B A A C B A A Non QM Non QM No
203151473 [Redacted] [Redacted] 6189664 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $358.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Fee was not disclosed on LE and no cure was provided   Reviewer Comment (2018-04-24): Lender's Attestation that the Title Search fee was required by the vendor selected by the borrowers has been provided.  There is no zero percent tolerance violation.
 04/24/2018     1 A [Redacted] CT Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Non QM Non QM Yes
203151474 [Redacted] [Redacted] 6145013 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C A C A C A C A Non QM Non QM No
203151474 [Redacted] [Redacted] 6145899 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7562) Final Closing Disclosure discloses a Lender cure credit for tolerance       04/10/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C A C A C A C A Non QM Non QM Yes
203151474 [Redacted] [Redacted] 6145900 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $140.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7565) Final Closing Disclosure discloses a Lender cure credit for tolerance       04/10/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C A C A C A C A Non QM Non QM Yes
203151474 [Redacted] [Redacted] 6145903 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $699.80 exceeds tolerance of $671.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Final Closing Disclosure discloses a Lender cure credit for tolerance       04/10/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C A C A C A C A Non QM Non QM Yes
203151474 [Redacted] [Redacted] 6190831 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.25072% exceeds Guideline total debt ratio of 45.00000%. 47.25% > 45% Non-Prime program. 47.25% includes $1,706.85 negative rent loss.   Lender's 44.959% DTI includes $1,509.35 negative rent calculation.  Lender's negative rent calculation does not include $197.50 monthly HOA for [Redacted].   Reviewer Comment (2018-04-23): Received HOA statement and corrected on the REO screen


Buyer Comment (2018-04-16): Please note on the uploaded HOA statement HOA dues are due in 2 installments of $197.50 on 4/1 & 9/1.  This means monthly HOA dues should equal $32.92.  Please review and advise.
 04/23/2018     1 A [Redacted] GA Primary Purchase   C A C A C A C A Non QM Non QM No
203151474 [Redacted] [Redacted] 6190945 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-04-23): Received HOA statement and corrected fee on REO screen
 04/23/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A Non QM Non QM Yes
203151474 [Redacted] [Redacted] 6190948 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-04-23): Received HOA statement and corrected fee on REO screen
 04/23/2018     1 A [Redacted] GA Primary Purchase   C A C A C A C A Non QM Non QM No
203151475 [Redacted] [Redacted] 6138299 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Refinance - Rate/Term   C A A A C A C A Non QM Non QM No
203151475 [Redacted] [Redacted] 6138719 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] No amount was provided on final CD.   Reviewer Comment (2018-04-24): Lender's Attestation that the Title - Recording Service Fee was required by the vendor selected by the borrowers has been provided.  No zero percent tolerance violation exists.
 04/24/2018     1 A [Redacted] FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203151475 [Redacted] [Redacted] 6138720 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] CD disclosed on [Redacted] was not signed and assumed to have been received within 3 business days of closing.   Reviewer Comment (2018-04-24): Evidence that the CD dated 3/12/18 was sent to and received by the borrowers on 3/12/18 has been provided.
 04/24/2018     1 A [Redacted] FL Primary Refinance - Rate/Term No Defined Cure C A A A C A C A Non QM Non QM No
203151475 [Redacted] [Redacted] 6138721 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $82.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee was not disclosed on LE and no cure was provided.   Reviewer Comment (2018-04-24): Lender's Attestation that the Title - Recording Service Fee was required by the vendor selected by the borrowers has been provided.  No zero percent tolerance violation exists.
 04/24/2018     1 A [Redacted] FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203151475 [Redacted] [Redacted] 6138722 [Redacted] [Redacted] Compliance Compliance Federal Compliance Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. Right to cancel disclosure was not provided in file.   Reviewer Comment (2018-04-24): Signed Notice of Right To Cancel has been provided.
 04/24/2018     1 A [Redacted] 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 C A A A C A C A Non QM Non QM Yes
203151476 [Redacted] [Redacted] 6160261 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B C A Non QM Non QM No
203151476 [Redacted] [Redacted] 6166797 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Cure for various 0% and 10% tolerance violations - $208.40   Reviewer Comment (2018-04-24): A corrected post close CD, letter of explanation to the borrower, copy of the refund check and evidence of delivery have been provided.
   04/24/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203151476 [Redacted] [Redacted] 6190526 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $391.00 exceeds tolerance of $166.00 plus 10% or $182.60.  Insufficient or no cure was provided to the borrower. (0) Change of Circumstance not provided for increase of Fee from $166.00 to $391.00.   Reviewer Comment (2018-04-24): A corrected post close CD, copy of the refund check, letter of explanation to the borrower and evidence of delivery have been provided.
   04/24/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203151476 [Redacted] [Redacted] 6190871 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Sign Agreement is not evident and borrower received documents electronically.   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B A A C B C A Non QM Non QM No
203151477 [Redacted] [Redacted] 6114639 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151477 [Redacted] [Redacted] 6160055 [Redacted] [Redacted] Credit Guideline Guideline Issue Asset verification is less than 2 months verified as required by guidelines. [Redacted] [Redacted]   Reviewer Comment (2018-04-20): Per updated guidelines only 1 month required
 04/20/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151477 [Redacted] [Redacted] 6160144 [Redacted] [Redacted] Credit Investment Product General REO property does not have a lease in place and required by guidelines. [Redacted] Credit Risk Summary & Exception Approval in file, page 91. Property: Occupancy - Vacant. Compensating Factors: 1) Credit Score. 2) Reserves. 3) Other: existing customer. 681 > 660 credit score minimum

26 > 6 months minimum reserves		 Reviewer Comment (2018-04-12): Compensating Factors: 1) Credit Score. 2) Reserves. 3) Other: existing customer.
     04/12/2018 2 B [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151477 [Redacted] [Redacted] 6173311 [Redacted] [Redacted] Property Property - Appraisal General Appraisal Requirements Valuation Exception:   Appraisal was completed as-is but photos show exposed electrical box and missing Stoves in both kitchens. Re-inspection of property is needed.   Reviewer Comment (2018-04-25): $$@ has been provided.  Repairs completed.
 04/25/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151477 [Redacted] [Redacted] 6175163 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing pages 28 and 34 of 46 page document containing the Note, etc.   Reviewer Comment (2018-04-20): Received
 04/20/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C B C B     C A     No
203151480 [Redacted] [Redacted] 6158258 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B C A B B C A Non QM Non QM No
203151480 [Redacted] [Redacted] 6159432 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] The final CD seller paid fees (J) were $14,103.92 and the seller's final CD seller paid fees (J) of $14,478.00 was verified.           2 B [Redacted] TX Primary Purchase   C B C A B B C A Non QM Non QM Yes
203151480 [Redacted] [Redacted] 6188046 [Redacted] [Redacted] Credit Employment Miscellaneous The verbal verification of employment was obtained more than 10 days prior to the note date.   The verbal verification of employment in the loan file dated 03/15/218 does not indicate if the borrower is currently employed (no entry made on document). The written verification is dated 02/13/2018 and the note/closed date is [Redacted].   Reviewer Comment (2018-04-24): A fully completed VVOE dated within 10 days of closing has been provided.
 04/24/2018     1 A [Redacted] TX Primary Purchase   C B C A B B C A Non QM Non QM No
203151480 [Redacted] [Redacted] 6188504 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $590.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) The final CD reflects a lender credit of $40.00 for increase in closing costs above the legal limit.       04/13/2018   1 A [Redacted] TX Primary Purchase Final CD evidences Cure C B C A B B C A Non QM Non QM Yes
203151481 [Redacted] [Redacted] 6158843 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203151481 [Redacted] [Redacted] 6159619 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Disclosure not evidenced in loan file.           2 B [Redacted] CA Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203151481 [Redacted] [Redacted] 6159626 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Closing Date that did not match the actual date of consummation. [Redacted] Final CD issued on [Redacted] reflects closing date of [Redacted]  Loan was consummated on [Redacted] per Security Instrument signatures and notary stamp.  Borrowers did not sign CD issued on 2/23/18, but did sign CD issued on [Redacted]           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203151481 [Redacted] [Redacted] 6159627 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/404536) Final CD issued on [Redacted] reflects property taxes of $591.53/mo.  Actual property taxes are $598.96/mo.  Variance is reason payment stream does not match.   Reviewer Comment (2018-05-14): Updated tax input based on cert
 05/14/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203151481 [Redacted] [Redacted] 6159628 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/404537) Final CD issued on [Redacted] reflects property taxes of $591.53/mo.  Actual property taxes are $598.96/mo.  Variance is reason payment stream does not match.   Reviewer Comment (2018-05-14): Updated tax input based on cert
 05/14/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203151481 [Redacted] [Redacted] 6159629 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/404538) Final CD issued on [Redacted] reflects property taxes of $591.53/mo.  Actual property taxes are $598.96/mo.  Variance is reason payment stream does not match.   Reviewer Comment (2018-05-14): Updated tax input based on cert
 05/14/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203151481 [Redacted] [Redacted] 6159630 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/404539) Final CD issued on [Redacted] reflects property taxes of $591.53/mo.  Actual property taxes are $598.96/mo.  Variance is reason payment stream does not match.   Reviewer Comment (2018-05-14): Updated tax input based on cert
 05/14/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203151481 [Redacted] [Redacted] 6159631 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/404536) Final CD issued on [Redacted] reflects property taxes of $591.53/mo.  Actual property taxes are $598.96/mo.  Variance is reason payment stream does not match.   Reviewer Comment (2018-05-14): Updated tax input based on cert
 05/14/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203151481 [Redacted] [Redacted] 6159635 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Final CD reflects TIP of 130.4600%.  Calculated TIP is 126.08200%           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203151481 [Redacted] [Redacted] 6159639 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [Redacted] Final CD issued on [Redacted] appears to be the Final CD.  Evidence of earlier receipt is not provided.   Reviewer Comment (2018-05-18): Received proof of receipt
 05/18/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203151481 [Redacted] [Redacted] 6159640 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. (Interim/xx/xx/xxxx) Revised LE issued on xx/xx/xxxx was not executed by borrowers and therefore presumed received on xx/xx/xxxx, which is not at least four business days prior to closing.   Reviewer Comment (2018-05-18): Received proof of receipt
 05/18/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203151481 [Redacted] [Redacted] 6190828 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant.  Seller paid fees on Seller CD are not consistent with seller paid fees on Borrower's Final CD.  Seller's CD reflects $35,244.07 in seller paid fees.  Borrower's Final CD reflects $2,121.00 in seller paid fees.           2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM Yes
203151481 [Redacted] [Redacted] 6191096 [Redacted] [Redacted] Credit Assets Asset Documentation Missing Document: Asset Documentation not provided   Missing CD from refinance of [REDACTED] to verify cash out to borrowers.   Reviewer Comment (2018-05-18): Received CD
 05/18/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203151481 [Redacted] [Redacted] 6191186 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Lender used 2 bank accounts to qualify borrowers on business bank statements loan.  Guidelines state max one account.  Borrower used [REDACTED] Jan 27, 2016 - 3/31/16 and then opened [REDACTED] on 4/4/16.  LOE from borrower is provided. Guideline variance approved by lender at time of origination Reviewer Comment (2018-05-18): received exception approval for use of 2 accounts based on DTI and residual
     05/18/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203151481 [Redacted] [Redacted] 6191194 [Redacted] [Redacted] Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: [REDACTED]/ End Date: 12/31/2017 // Account Type: Stocks/Bonds / Account Number: [Redacted] Only one month statement is provided, two months are required.   Reviewer Comment (2018-05-18): 1 month is acceptable per [REDACTED] guidelines
 05/18/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203157433 [Redacted] [Redacted] 6081449 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] OK Primary Purchase   C B C A C B C A Non QM Non QM No
203157433 [Redacted] [Redacted] 6081638 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 8.30920% or Final Disclosure APR of 8.35100% is in excess of allowable threshold of APOR 4.09% + 1.5%, or 5.59000%.  Non-Compliant Higher Priced Loan.     Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] OK Primary Purchase   C B C A C B C A Non QM Non QM No
203157433 [Redacted] [Redacted] 6081639 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 01/17/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/01/17/2018) E-sign consent was dated xx/xx/xxxx.           2 B [Redacted] OK Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203157433 [Redacted] [Redacted] 6081640 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-11): Received Attestation letter
 04/11/2018     1 A [Redacted] OK Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203157433 [Redacted] [Redacted] 6081711 [Redacted] [Redacted] Compliance Compliance State Compliance Oklahoma HPML PreDF Ability to Repay Reliable Documentation Oklahoma Higher-Priced Mortgage Loan:   Borrower’s ability to repay not verified with reliable documentation. Borrower supplied all required documents for loan   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] OK Primary Purchase   C B C A C B C A Non QM Non QM No
203157433 [Redacted] [Redacted] 6081712 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxxx) $27 + $10   Reviewer Comment (2018-04-11): Received Attestation letter
 04/11/2018     1 A [Redacted] OK Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203157433 [Redacted] [Redacted] 6081713 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $15,276.37 > $12,060.00   Reviewer Comment (2018-04-11): Rec'd LOE, corrected CD and evidence of emailing.
   04/11/2018   2 B [Redacted] OK Primary Purchase   C B C A C B C A Non QM Non QM Yes
203157433 [Redacted] [Redacted] 6110644 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Telephone Listing / Internet Search / Directory Assistance Within 10 days of the Note   Reviewer Comment (2018-04-09): Received
 04/09/2018     1 A [Redacted] OK Primary Purchase   C B C A C B C A Non QM Non QM No
203157433 [Redacted] [Redacted] 6122996 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 8.30920% or Final Disclosure APR of 8.35100% is in excess of allowable threshold of APOR 4.09% + 1.5%, or 5.59000%.  Compliant Higher Priced Loan.             2 B [Redacted] OK Primary Purchase   C B C A C B C A Non QM Non QM No
203157433 [Redacted] [Redacted] 6163801 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $192.00 exceeds tolerance of $165.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Received Attestation letter       04/11/2018   1 A [Redacted] OK Primary Purchase Final CD evidences Cure C B C A C B C A Non QM Non QM Yes
203157434 [Redacted] [Redacted] 6085657 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] WI Primary Purchase   C B A A B B C A Non QM Non QM No
203157434 [Redacted] [Redacted] 6109633 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/xx/xx/xxxx) Section B discloses $87.00 Tax Service Fee paid to [REDACTED] (Lender)   Reviewer Comment (2018-04-11): Rec'd LOE, corrected CD and evidence of emailing.
   04/11/2018   2 B [Redacted] WI Primary Purchase Good Faith Redisclosure C B A A B B C A Non QM Non QM Yes
203157434 [Redacted] [Redacted] 6109634 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. .   Reviewer Comment (2018-04-11): Received borrower receipt dated xx/xx/xxxx
 04/11/2018     1 A [Redacted] WI Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157434 [Redacted] [Redacted] 6163915 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. New exception upon receiving borrower's receipt dated 01/24/18           2 B [Redacted] WI Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157505 [Redacted] [Redacted] 6171009 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203157505 [Redacted] [Redacted] 6171680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer's CD discloses a $520.00 higher Title - Owner's Title Insurance fee amount paid by Seller at closing vs. $420.00 amount disclosed on Seller's CD           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203157505 [Redacted] [Redacted] 6194972 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): Evidence of borrower's consent to receive documents electronically has been provided.
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203157505 [Redacted] [Redacted] 6214897 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Missing 3rd party Verification of Business within 10 days of closing, the one provided is within 12 days after   Reviewer Comment (2018-04-24): Third party verification of borrower's business obtained within 10 days of closing has been provided.
 04/24/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203157506 [Redacted] [Redacted] 6163735 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203157507 [Redacted] [Redacted] 6174092 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] WA Investment Refinance - Cash-out - Other   C A A A A A C A N/A N/A No
203157508 [Redacted] [Redacted] 6200212 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] WA Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203157508 [Redacted] [Redacted] 6218816 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 75.00000%. Investment Properties Max LTV 75% Borrower's representative FICO score is 722, which exceeds the guideline minimum score of 700 by 22 points.

Borrower has residual income of $8,517.88, which exceeds the guideline minimum of $1,500.		 Reviewer Comment (2018-04-24): Client elects to waive the exception for LTV of [Redacted] exceeding  guideline LTV  of 75%.
     04/24/2018 2 B [Redacted] WA Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203157509 [Redacted] [Redacted] 6179927 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] WA Investment Refinance - Cash-out - Other   C A A A A A C A N/A N/A No
203157510 [Redacted] [Redacted] 6164472 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C A Non QM Non QM No
203157510 [Redacted] [Redacted] 6172251 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Consent to received electronic disclosures.   Reviewer Comment (2018-04-24): Esign consent agreement provided on 04/17/2018.
 04/24/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B B A C A Non QM Non QM No
203157510 [Redacted] [Redacted] 6194717 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.97 is less than Guideline PITIA months reserves of 6.00.     Reviewer Comment (2018-04-24): No exception exists; cash-out can be used for reserves and cash-out amount meets 6 months minimum reserve requirement.  Lender exception approval provided on 04/17/2018.
 04/24/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C A Non QM Non QM No
203157510 [Redacted] [Redacted] 6276849 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 634 is less than Guideline representative FICO score of 660. Qualifying FICO < 660 guideline minimum for C/O Refinance.  Lender exception approval not provided. 34.66% DTI on this full documentation loan < 45% guideline max - 10.34% below program guideline maximum.

Borrower on this full documentation loan has a disposable income of $8,556.42, in excess of guideline requirement of $3,000.		 Reviewer Comment (2018-04-24): Lender approval of exception for credit score lower than guideline requirement has been provided.
     04/24/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B B A C A Non QM Non QM No
203157511 [Redacted] [Redacted] 6177649 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 696 is less than Guideline representative FICO score of 700. Bank Statements guidelines reflect minimum credit score of 700 for 90% LTV.  No exception noted 29.218% DTI on this 12 month personal bank statement full documentation loan < 45% guideline max. Reviewer Comment (2018-04-19): Received credit exception approval with compensating factors. Exception waived.


Buyer Comment (2018-04-18): Per the attached disclosure detail, the initial disclosure package was sent on 1/23/18, which is 3 business days from the date of application.  Please review and advise.
     04/19/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203157511 [Redacted] [Redacted] 6177667 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.37 is less than Guideline PITIA months reserves of 6.00. Reserves 3.37 months < 6 months required but meets the exception policy based on compensating factors disposable income of $7,767.59 > $3,000 minimum, DTI 29.218% < 45% maximum and payment shock 94.51882% < 250% maximum. 29.218% DTI on this 12 month personal bank statement full documentation loan < 45% guideline max.

Borrower on this 12 month personal bank statement full documentation loan has a disposable income of $7,767.59 > $3,000 required.

Guideline variance approved by lender at time of origination. Payment shock 94.51882% < 200% maximum for first time homebuyer.		 Reviewer Comment (2018-04-17): exception in file for reserves less than minimum required
     04/17/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203157511 [Redacted] [Redacted] 6177669 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203157511 [Redacted] [Redacted] 6177898 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) The seller's CD reflects $8,010 whereas the borrower's CD reflects $8,350.           2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM Yes
203157511 [Redacted] [Redacted] 6177915 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. ARM disclosure signed 1-24-18 exceeds 3 day from application date.  ARM disclosure does not reflect a issue date, only discloses buyer's signature date.   Reviewer Comment (2018-04-19): 04/19/2018 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.


Buyer Comment (2018-04-18): Per the attached disclosure detail, the initial disclosure package was sent on 1/23/18, which is 3 business days from the date of application.  Please review and advise.
 04/19/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203157511 [Redacted] [Redacted] 6200596 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing signed borrower's e-consent.   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203157512 [Redacted] [Redacted] 6169988 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] GA Investment Purchase   C A C A     C A     No
203157512 [Redacted] [Redacted] 6194927 [Redacted] [Redacted] Credit Guideline Guideline Issue Asset verification is less than 2 months verified as required by guidelines. Financial Institution: [REDACTED] / End Date: 02/28/2018 // Account Type: Checking / Account Number: xxxx     Reviewer Comment (2018-04-24): only 1 month required
 04/24/2018     1 A [Redacted] GA Investment Purchase   C A C A     C A     No
203157513 [Redacted] [Redacted] 6169631 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] UT Primary Purchase   C A A A A A C A Non QM Non QM No
203157514 [Redacted] [Redacted] 6207706 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203157514 [Redacted] [Redacted] 6215524 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] VVOE - Employment Only Within 10 days of closing 16.38% DTI on this full documentation loan < 50% guideline max - 33.62% below program guideline maximum

Borrower has job stability for 14 years as a [Redacted].		 Reviewer Comment (2018-04-24): Client elects to waive requirement for a verbal VOE obtained within 10 days of closing.
     04/24/2018 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203157515 [Redacted] [Redacted] 6174963 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-26): received PDI with no damage but FEMA has no end date


Reviewer Comment (2018-04-24): Post Disaster Inspection Report dated 4/23/18 has been provided.  Unable to clear exception due to the fact that there is no declared end date.
     04/26/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203157515 [Redacted] [Redacted] 6174970 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203157515 [Redacted] [Redacted] 6175496 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The seller's CD reflects $xxx,xxx.xx whereas the borrower's CD reflects $xx,xxx.xx.           2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM Yes
203157515 [Redacted] [Redacted] 6198099 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing evidence of signed e-sign consent agreement.   Reviewer Comment (2018-04-24): Evidence of borrowers' consent to receive documents electronically has been received.
 04/24/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203157515 [Redacted] [Redacted] 6215002 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing compliance report.   Reviewer Comment (2018-04-24): A copy of the Compliance Report has been provided.
 04/24/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203157519 [Redacted] [Redacted] 6175155 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] OR Primary Refinance - Cash-out - Other   C A C A A A C A Non QM Non QM No
203157519 [Redacted] [Redacted] 6215435 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing credit refresh / gap report dated within 10 days of closing.   Reviewer Comment (2018-04-24): Credit Report Comparison has been provided.
 04/24/2018     1 A [Redacted] OR Primary Refinance - Cash-out - Other   C A C A A A C A Non QM Non QM No
203157519 [Redacted] [Redacted] 6215818 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $8.785 shortfall.   Reviewer Comment (2018-04-24): Insurer's explanation of terms of policy coverage has been provided.
 04/24/2018     1 A [Redacted] OR Primary Refinance - Cash-out - Other   C A C A A A C A Non QM Non QM No
203157520 [Redacted] [Redacted] 6170579 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] OR Primary Purchase   C B C A B B C A Non QM Non QM No
203157520 [Redacted] [Redacted] 6197895 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The seller's CD contains a few fees that are not disclosed on the borrower's final CD.           2 B [Redacted] OR Primary Purchase   C B C A B B C A Non QM Non QM Yes
203157520 [Redacted] [Redacted] 6209129 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing Credit Report Comparison within 10 days of closing   Reviewer Comment (2018-04-24): Credit Report Comparison dated within 10 days of closing has been provided.
 04/24/2018     1 A [Redacted] OR Primary Purchase   C B C A B B C A Non QM Non QM No
203157521 [Redacted] [Redacted] 6170831 [Redacted] [Redacted] Compliance Loan Package Documentation Closing / Title Missing Document: Note - Subject Lien not provided       Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] NC Second Home Purchase   D B C A D B C A Non QM Non QM No
203157521 [Redacted] [Redacted] 6171618 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NC Second Home Purchase   D B C A D B C A Non QM Non QM No
203157521 [Redacted] [Redacted] 6172549 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses $7,020.00 in fees paid by Seller at closing not disclosed on Consumer's CD   Reviewer Comment (2018-04-24): Rec'd LOE, corrected CD and evidence of emailing.
   04/24/2018   2 B [Redacted] NC Second Home Purchase   D B C A D B C A Non QM Non QM Yes
203157521 [Redacted] [Redacted] 6201575 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing [REDACTED] #xxxx 12/2017 statement.  23 statements < 24.   Reviewer Comment (2018-04-24): Received 12/31/2017 statement used for income.
 04/24/2018     1 A [Redacted] NC Second Home Purchase   D B C A D B C A Non QM Non QM No
203157524 [Redacted] [Redacted] 6169846 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. The document was not located in the loan file.   Reviewer Comment (2018-04-24): Evidence of borrower's consent to receive documents electronically has been provided.
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203157524 [Redacted] [Redacted] 6169871 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203157524 [Redacted] [Redacted] 6212424 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Issue:  Insufficient tradelines per credit guidelines   Credit Risk Summary & Exception Approval in file, page 252. Tradeline requirements not met. Compensating Factors: 1) DTI. 2) Payment Shock. 3) Stable Employment History. 24.256% DTI on this Full documentation loan < 45% guideline max

Borrower has job stability for 14 years as [Redacted].		 Reviewer Comment (2018-04-17): Compensating Factors: 1) DTI. 2) Payment Shock. 3) Stable Employment History.
     04/17/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203157524 [Redacted] [Redacted] 6213017 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing acceptable Borrower explanation for decline of self-employment income per 2017 Profit & Loss statement and 2017 W-2. 24.256% DTI on this Full documentation loan < 45% guideline max

Borrower has job stability for 14 years as [Redacted].		 Reviewer Comment (2018-04-24): Client has elected to waive the exception for an LOE for declining income.
     04/24/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203157524 [Redacted] [Redacted] 6213055 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $85.00   Reviewer Comment (2018-04-24): Lender's Attestation that title Search fee was required by the vendor selected by the borrower has been provided. No zero tolerance violation exists.
 04/24/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203157524 [Redacted] [Redacted] 6213056 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $14,296.32 > $3,896.32           2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM Yes
203157524 [Redacted] [Redacted] 6213057 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $85.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-24): Lender's Attestation that title Search fee was required by the vendor selected by the borrower has been provided. No zero tolerance violation exists.
 04/24/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203157525 [Redacted] [Redacted] 6172520 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other   C A C A C A C A Non QM Non QM No
203157525 [Redacted] [Redacted] 6172975 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xx/xx/xxxx) Final Closing Disclosure dated x/xx/xxxx, received by Borrower at closing on 2/27/2018 > 2/20/2018 (x/x/xxxx closing date less 6).   Missing Closing Disclosure dated x/x/xxxx referenced on Lender's Disclosure Tracking Tool sheet.   Reviewer Comment (2018-04-26): A copy of the initial CD has been provided.


Reviewer Comment (2018-04-25): No CD has been provided. Exception remains
 04/26/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A Non QM Non QM No
203157525 [Redacted] [Redacted] 6195192 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-25): Evidence of borrowers' consent has been provided.
 04/25/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A Non QM Non QM No
203157525 [Redacted] [Redacted] 6208590 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing verification annual property tax information and evidence free and clear of any mortgage obligations for [REDACTED]   Reviewer Comment (2018-05-01): Mortgage and tax information for Canyon Lane property have been provided.


Buyer Comment (2018-05-01): [REDACTED] is land. The tax amount and verification on the fraud report shows the annual tax amount @ $355 which was included in their DTI.
I’ve attached a sitex report as well that shows it is land.


Reviewer Comment (2018-04-25): A purchase contract from 2012 for the subject was provided.   Information regarding [REDACTED] is still missing.  Exception remains.
 05/01/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other   C A C A C A C A Non QM Non QM No
203157527 [Redacted] [Redacted] 6182093 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Per the Final CD the closing date was xx/xx/xxxx; however the actual signing date was xx/xx/xxxx.           2 B [Redacted] UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Non QM Non QM Yes
203157527 [Redacted] [Redacted] 6182095 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The seller's CD reflects $xx,xxx.xx whereas the borrower's CD reflects $xx,xxx.xx.           2 B [Redacted] UT Primary Purchase   B B A A B B A A Non QM Non QM Yes
203157528 [Redacted] [Redacted] 6169363 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] GA Investment Purchase   C B C B     C A     No
203157528 [Redacted] [Redacted] 6209711 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   Unable to locate pages 24,29 and 35 of Note/Security Instrument   Reviewer Comment (2018-04-24): Missing pages of note/Security Instrument have been provided.
 04/24/2018     1 A [Redacted] GA Investment Purchase   C B C B     C A     Yes
203157528 [Redacted] [Redacted] 6209756 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   DSR > 90% @ 91% Borrower's middle credit score of 763 exceeds guideline minimum of 660 by 103 points.

Borrower has $37,850.77 available for reserves, in excess of guideline requirement of 3 months		 Reviewer Comment (2018-04-24): Client elects to waive exception for DSR of 91% exceeding guideline of 90%.
     04/24/2018 2 B [Redacted] GA Investment Purchase   C B C B     C A     No
203157529 [Redacted] [Redacted] 6181464 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C A A A B A C A Non QM Non QM No
203157529 [Redacted] [Redacted] 6181598 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): rec'd e-consent
 04/24/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A A A B A C A Non QM Non QM No
203157530 [Redacted] [Redacted] 6183329 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 670 is less than Guideline representative FICO score of 700. 670 (per Lender's credit report) < 700 Portfolio Select Bank Statement 90% LTV program.  Exception not acknowledged by Lender. Borrower on this Alt documentation loan has a disposable income of $5164 Reviewer Comment (2018-04-27): Received Credit Risk Summary & Exception approval 4/27/18
     04/27/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203157530 [Redacted] [Redacted] 6183337 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.49095% exceeds Guideline total debt ratio of 45.00000%. 52.73% review DTI > 45% Portfolio Select Bank Statement program.   Review DTI includes estimated $661.46 monthly property tax amount based on 1.25% of $635,000.00 sales price for a California property.  Lender's 49.456% > 45%.  Lender's DTI includes a $330.73 monthly property tax amount from unknown source.  Lender's Credit Risk Summary & Exception Approval in file for 49.56% > 45%.   Compensating factors: Credit history, Stable employment and $5,172.14 residual income Borrower on this Alt documentation loan has a disposable income of $5164 Reviewer Comment (2018-04-27): Received Credit Risk Summary & Exception approval 4/27/18
     04/27/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203157530 [Redacted] [Redacted] 6183380 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 45.35436% exceeds Guideline housing ratio of 40.00000%. 48.588% review DTI > 40% Portfolio Select Bank Statement program.   Review DTI includes estimated $661.46 monthly property tax amount based on 1.25% of $635,000.00 sales price for a California property.  Lender's 45.323% > 40%.  Lender's DTI includes a $330.73 monthly property tax amount from unknown source.  Lender's Credit Risk Summary & Exception Approval in file for 45.323% > 40%.   Compensating factors: Credit history, Stable employment and $5,172.14 residual income Borrower on this Alt documentation loan has a disposable income of $5164 Reviewer Comment (2018-04-27): Received Credit Risk Summary & Exception approval 4/27/18
     04/27/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203157530 [Redacted] [Redacted] 6183410 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203157530 [Redacted] [Redacted] 6183895 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) A specific dollar amount was not disclosed.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203157530 [Redacted] [Redacted] 6184006 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-04-27): Received Credit Risk Summary & Exception approval 4/27/18
 04/27/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203157530 [Redacted] [Redacted] 6184020 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-04-27): Received Credit Risk Summary & Exception approval 4/27/18
 04/27/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203157530 [Redacted] [Redacted] 6217455 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   TRID testing incomplete.  Missing Revised Closing Disclosure dated x/xx/xxxx.   Copy of CD issued to Borrower per Lender's Disclosure Tracking Tool not in file.   Reviewer Comment (2018-04-30): The CD dated x/xx/xx with evidence of delivery has been provided.
 04/30/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM Yes
203157530 [Redacted] [Redacted] 6218088 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Missing Seller's Closing Disclosure.   .   Reviewer Comment (2018-05-07): A copy of the Seller's CD has been provided,
   05/07/2018   2 B [Redacted] CA Primary Purchase Good Faith Redisclosure C B C B C B C A Non QM Non QM Yes
203157530 [Redacted] [Redacted] 6218103 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure [Redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx) Consumer CD does not disclose fees paid by Seller at closing.   Missing Seller's Closing Disclosure.   Reviewer Comment (2018-05-07): A post close CD disclosing all seller paid fees, letter of explanation to the borrower and evidence of delivery have been provided.
   05/07/2018   2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203157531 [Redacted] [Redacted] 6222563 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203157531 [Redacted] [Redacted] 6223038 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-04-25): Waived residual income and housing ratio


Reviewer Comment (2018-04-25): Re-open


Reviewer Comment (2018-04-24): Client elects to waive exception re DTI in excess of guideline maximum.
 04/25/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203157531 [Redacted] [Redacted] 6223039 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Consent Agreement not provided.   Reviewer Comment (2018-04-24): Evidence of borrowers' consent to receive documents electronically has been provided.
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203157531 [Redacted] [Redacted] 6224021 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 43.79254% exceeds Guideline housing ratio of 40.00000%. Guideline is 40% and investor housing ratio is 40.278%. Payment shock is at 66% which is within guideline of payment shock at 300%. Reviewer Comment (2018-04-25): Received Exception approval for DTI housing ratio based on payment shock and stable employment history
     04/25/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203157531 [Redacted] [Redacted] 6224344 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.61911% exceeds Guideline total debt ratio of 45.00000%. An exception in file indicates DTI > maximum allowed, however the DTI reflected on the form is 42.123% which is within guidelines.  Missing exception for DTI > 45%. Borrower has employment stability for 16 years and is the [Redacted].

Payment shock is at 66% which is within guideline of payment shock at 300%.		 Reviewer Comment (2018-04-24): Client elects to waive exception re DTI in excess of guideline maximum.
     04/24/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203157531 [Redacted] [Redacted] 6224781 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor Qualifying Residual income discrepancy. Calculated investor qualifying disposable income of $2,828.35 is less than AUS required disposable income of $3,000.00.   Borrower has employment stability for 16 years and is the [Redacted]. Reviewer Comment (2018-04-25): Received exception approval for residual income based on stability and payment shock
     04/25/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203157531 [Redacted] [Redacted] 6224871 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-04-25): Waived residual income and housing ratio


Reviewer Comment (2018-04-25): Not a waive


Reviewer Comment (2018-04-24): Client elects to waive exception re DTI in excess of guideline maximum.
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203157532 [Redacted] [Redacted] 6182571 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Purchase   C B A A C B C A Non QM Non QM No
203157532 [Redacted] [Redacted] 6202118 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing signed e-consent.   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203157532 [Redacted] [Redacted] 6202120 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The final buyer's CD seller paid fees (J) are $27,672.26 and the seller's final CD seller paid fees (J) are $28,777.16.   Reviewer Comment (2018-04-24): Rec'd LOE, corrected CD and evidence of emailing.
   04/24/2018   2 B [Redacted] CA Primary Purchase   C B A A C B C A Non QM Non QM Yes
203157532 [Redacted] [Redacted] 6202121 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $178.00 plus 10% or $195.80.  Sufficient or excess cure was provided to the borrower at Closing. (0) The final CD reflects a lender paid credit of $179.20 for increase in closing costs above the legal limit.       04/16/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C B A A C B C A Non QM Non QM Yes
203157532 [Redacted] [Redacted] 6219027 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) 10% violation cured at closing.  0% violation ($14) not cured.   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203157532 [Redacted] [Redacted] 6219028 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $178.00 plus 10% or $195.80.  Insufficient or no cure was provided to the borrower. (0) Cured on final CD.   Reviewer Comment (2018-04-17): $197.20 cure on final CD.
   04/17/2018   2 B [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203157532 [Redacted] [Redacted] 6219029 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $14.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) While title fees on the LE were disclosed as shoppable, the new Title -Recording Service fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203157533 [Redacted] [Redacted] 6185842 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.31148% exceeds Guideline total debt ratio of 45.00000%. 47.311% > 45% Portfolio Select.  Lender's 47.62% > 45%.  Exception not acknowledged by Lender on Lender's Credit Risk Summary & Exception Approval Borrower has employment stability for 21 years in the [Redacted]

15 months reserves > 6 months guideline minimum - borrowers have verified reserves of $39,268.91		 Reviewer Comment (2018-04-24): rec'd signed exception for DTI > maximum allowed.
     04/24/2018 2 B [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
203157533 [Redacted] [Redacted] 6186346 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-04-24): Rec'd DTI exception
 04/24/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203157533 [Redacted] [Redacted] 6186348 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-04-24): Rec'd DTI exception
 04/24/2018     1 A [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
203157533 [Redacted] [Redacted] 6186356 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): Rec'd e-consent
 04/24/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203157533 [Redacted] [Redacted] 6203398 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
203157535 [Redacted] [Redacted] 6185269 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] GA Investment Purchase   C A A A A A C A N/A N/A No
203157536 [Redacted] [Redacted] 6181868 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] MN Primary Refinance - Cash-out - Debt Consolidation   C B A A B B C A Non QM Non QM No
203157536 [Redacted] [Redacted] 6182517 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 8.27300% or Final Disclosure APR of 8.30100% is in excess of allowable threshold of USTreasury 2.8500% + 3%, or 5.85000%.  Compliant Subprime Loan.             2 B [Redacted] MN Primary Refinance - Cash-out - Debt Consolidation   C B A A B B C A Non QM Non QM No
203157536 [Redacted] [Redacted] 6182525 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Monthly escrow payment for hazard insurance is insufficient. Annual premium of $3762.85 requires the monthly escrow amount of $313.57 to be collected. Lender collecting $308.04/month.           2 B [Redacted] MN Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203157537 [Redacted] [Redacted] 6173431 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203157540 [Redacted] [Redacted] 6211579 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing pages 24, 29 and 35 of the 47 page Closing document that contains the Note, etc.   Reviewer Comment (2018-04-24): Missing pages of the note/security instrument have been provided.
 04/24/2018     1 A [Redacted] GA Investment Refinance - Cash-out - Other   C A C A     A A     No
203157542 [Redacted] [Redacted] 6189862 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing 2017 K-1, 1120s and Business Transcripts as well as YTD P&L and 2016/2017 W2's.  DTI subject to change.   Reviewer Comment (2018-05-22): Received 1120s and K1 2017 - Note date is prior to 3/30/18 P&L not required
 05/22/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157542 [Redacted] [Redacted] 6192935 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157542 [Redacted] [Redacted] 6193193 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Agreement is not evident prior to borrower receiving and signing initial loan documents electronically.   Reviewer Comment (2018-04-24): Rec'd e-consent
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203157542 [Redacted] [Redacted] 6206243 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.07 is less than Guideline PITIA months reserves of 6.00. Reserves do not meet 6 month requirement and no exception approval was provided. DTI, payment shock under 250%, residual income greater than $2,000, stable employment history, 5 years on the job. Reviewer Comment (2018-04-24): Rec'd exception for reserve requirements not met.
     04/24/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157543 [Redacted] [Redacted] 6183818 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203157543 [Redacted] [Redacted] 6184041 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. An e-sign disclosure was not provided.   Reviewer Comment (2018-04-24): Rec'd e-consent
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157543 [Redacted] [Redacted] 6184042 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The seller's CD reflects $5,845 whereas the borrower's CD reflects $5,745.           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203157543 [Redacted] [Redacted] 6280094 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 01/29/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx) Rec'd e-consent dated 1/30/18.           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157544 [Redacted] [Redacted] 6184265 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Second Home Purchase   C B A A B B C A Non QM Non QM No
203157544 [Redacted] [Redacted] 6185065 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) The seller's CD reflects $21,855.39 whereas the borrower's CD reflects $24,855.39.           2 B [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203157544 [Redacted] [Redacted] 6204420 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Proof of consent received not provided.   Reviewer Comment (2018-04-24): Evidence of borrower's consent to receive documents electronically has been provided.
 04/24/2018     1 A [Redacted] FL Second Home Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157545 [Redacted] [Redacted] 6207632 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] IN Primary Purchase   C B A A C B C A Non QM Non QM No
203157545 [Redacted] [Redacted] 6225854 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx) The CD reflects $xxx,xxx.xx whereas actual is $xxx,xxx.xx.  Under-disclosed $150.   Reviewer Comment (2018-04-30): A Post Close CD with the correct finance charge, letter of explanation and evidence of delivery have been provided.
   04/30/2018   2 B [Redacted] IN Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203157545 [Redacted] [Redacted] 6319032 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Post Close Closing Disclosure Total Of Payments Test Non-Rescindable Transactions TILA-RESPA Integrated Disclosure - Post Closing Disclosure:  Total of Payments of $233,537.94 disclosed on the Final Closing Disclosure dated xx/xx/xxxx is inaccurate by more than $100 compared to the Total of Payments calculated based on fees disclosed on the Post Closing Disclosure of $xxx,xxx.xx  provided on xx/xx/xxxx, a difference of $150.00000. (Post-Close/xx/xx/xxxx) The Post Close CD provided disclosed the correct Total of Payments as $xxx,xxx.xx   Reviewer Comment (2018-04-30): A corrected post close CD, letter of explanation to the borrower and evidence of delivery have been provided.
   04/30/2018   2 B [Redacted] IN Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203157546 [Redacted] [Redacted] 6182136 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203157547 [Redacted] [Redacted] 6177397 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203157547 [Redacted] [Redacted] 6177872 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for tolerance.   Reviewer Comment (2018-04-24): A valid change of circumstance for the addition of discount points has been provided.
   04/24/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203157547 [Redacted] [Redacted] 6177874 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,610.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200) $2,610.00 Loan Discount fee not disclosed on Loan Estimate dated 1/9/2018 but disclosed on revised Loan Estimate dated 2/14/2018 and Closing Disclosures.   Valid Change of Circumstance not provided.  Change of Circumstance in file only states Discount Point added per Broker's request. Final Closing Disclosure does not disclose a Lender cure credit for tolerance.   Reviewer Comment (2018-04-24): A valid change of circumstance for the addition of discount points has been provided.
   04/24/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203157547 [Redacted] [Redacted] 6200065 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B A A C B C A Non QM Non QM No
203157548 [Redacted] [Redacted] 6194829 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AR Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157548 [Redacted] [Redacted] 6205063 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.63 is less than Guideline PITIA months reserves of 6.00. 1.66 months ($10,790.00) < 6 months ($38,690.16) Portfolio Select Bank Statement program.  Lender's 12 months PITI reserves calculation not supported by asset verification in file. [Redacted] LTV < 70% guideline max -  $525,961 more equity than required by program guidelines

Guideline variance approved by lender at time of origination

Borrower on this full documentation loan has a disposable income of $10,816.29, which is greater than the guideline requirement of $3,000.		 Reviewer Comment (2018-04-24): Client elects to waive the exception for reserve requirement.
     04/24/2018 2 B [Redacted] AR Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157548 [Redacted] [Redacted] 6220332 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of $xxx,xxx.xx is greater than Guideline total cash-out of $500,000.00. $xxx,xxx.xx cash out > $500,00.00 Platinum program.   Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 35.78% LTV < 70%, 12 months Reserves and $10,932.00 Residual Income. [Redacted] LTV < 70% guideline max -  $525,961 more equity than required by program guidelines

Guideline variance approved by lender at time of origination		 Reviewer Comment (2018-04-17): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 35.78% LTV < 70%, 12 months Reserves and $10,932.00 Residual Income.
     04/17/2018 2 B [Redacted] AR Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157548 [Redacted] [Redacted] 6220359 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] AR Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203157549 [Redacted] [Redacted] 6179051 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] AZ Investment Purchase   C A A A A A C A N/A N/A No
203157550 [Redacted] [Redacted] 6191210 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of $xx,xxx.xx is less than Guideline minimum loan amount of $75,000.00.   803 representative FICO score > 700 guideline minimum - 103 points above guideline minimum

764.86 months reserves >6 months guideline minimum - borrowers have verified reserves of $414,349.91

Borrower uses minimal credit.		 Reviewer Comment (2018-04-24): Client elects to waive the minimum loan amount requirement.
     04/24/2018 2 B [Redacted] GA Investment Purchase   C B C B A A C A N/A N/A No
203157550 [Redacted] [Redacted] 6202609 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue:  Subject loan is a non-arms length transaction  outside of credit guidelines   Guideline 4.8 Non-Arm’s Length Transactions: Non-arm’s length transactions are not allowed. 803 representative FICO score > 700 guideline minimum - 103 points above guideline minimum

764.86 months reserves >6 months guideline minimum - borrowers have verified reserves of $414,349.91

Borrower uses minimal credit.		 Reviewer Comment (2018-04-24): Client elects to waive the non arms length requirement.
     04/24/2018 2 B [Redacted] GA Investment Purchase   C B C B A A C A N/A N/A No
203157550 [Redacted] [Redacted] 6203595 [Redacted] [Redacted] Property Property - Appraisal General Appraisal Requirements Valuation Exception:   Appraisal photo of side view appears to reflect bars on window, but appraiser does not address if there are quick releases.   Reviewer Comment (2018-04-24): The appraiser provided an updated report which confirms that the window bars are quick release.
 04/24/2018     1 A [Redacted] GA Investment Purchase   C B C B A A C A N/A N/A No
203157553 [Redacted] [Redacted] 6188403 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203157553 [Redacted] [Redacted] 6205907 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Loan file did not contain a valid VOR or cancelled checks to support rental payments Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-30): Received exception approval for housing history based on housing print out which shows payments vs. cancelled checks; DTI and stable employment history


Reviewer Comment (2018-04-27): Document provided does not pertain to this borrower.
     04/30/2018 2 B [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203157554 [Redacted] [Redacted] 6190997 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157554 [Redacted] [Redacted] 6203446 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.16428% exceeds Guideline total debt ratio of 45.00000%. 49.16% > 45% Platinum program.  Lender's DTI 48.69% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit History and 5.52% Payment Shock Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-17): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit History and 5.52% Payment Shock
     04/17/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157554 [Redacted] [Redacted] 6203495 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 709 is less than Guideline representative FICO score of 720. 709 (per Lender's credit report) < 720 Platinum Cash-out Refinance 80% LTV program.   Exception not acknowledged by Lender. Guideline variance approved by lender at time of origination. DTI does exceed 45% but meets the exception policy based on compensating factors of payment shock 8.69727% < maximum 350% permitted per guidelines and credit history.

Guideline variance approved by lender at time of origination.

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-04-24): Rec'd exception for credit score < program requirements
     04/24/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157554 [Redacted] [Redacted] 6203651 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): rec'd e-consent
 04/24/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203157554 [Redacted] [Redacted] 6203697 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [Redacted] Disclosed 12 month Homeowner’s Insurance Premium of $1,499.00 should be $1,499.40 @ $124.95 per month.   Reviewer Comment (2018-04-24): The hazard policy reflects a premium of $1,499.40 / 12 = $124.95.  Section F Line 01 reflects $1,499.  Rounding prepaids is not permitted.


Buyer Comment (2018-04-18): Please be advised, this appears to be a system rounding issue.
       2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203157554 [Redacted] [Redacted] 6219829 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Lender's $6,982.00 monthly income used for 48.69% DTI based on 13 months recent business bank statements (1/2017 to 1/2018 and 11 months prior personal bank statements 1/2016 to 12/2016.   Lender's Credit Risk Summary & Exception Approval acknowledges use of 13 months business and 11 months personal statements in lieu of required 24 months consecutive business or 24 consecutive personal bank statements under Platinum (Bank Statement) program. .  Compensating factors: Credit History and 5.52 Payment Shock. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-17): Lender's Credit Risk Summary & Exception Approval acknowledges use of 13 months business and 11 months personal statements in lieu of required 24 months consecutive business or 24 consecutive personal bank statements under Platinum (Bank Statement) program. .  Compensating factors: Credit History and 5.52 Payment Shock.
     04/17/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157554 [Redacted] [Redacted] 6220631 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Within 10 days of closing   Reviewer Comment (2018-04-24): Rec'd SOS and attestation letter dated 3/12/18.
 04/24/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157555 [Redacted] [Redacted] 6208250 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant.  Seller paid fees on Seller's CD are not consistent with seller paid fees on Borrower's Final CD.  Seller's CD reflects $3,470.50 in seller paid fees.  Borrower's CD reflects $170 in seller paid fees at closing and $1,297.38 in seller paid fees before closing.           2 B [Redacted] OH Primary Purchase   C B C A C B A A Non QM Non QM Yes
203157555 [Redacted] [Redacted] 6208251 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Application date [Redacted].  ARM Disclosure is not dated, but was executed by borrowers on 1/22/18.  Evidence of earlier receipt is not provided.   Reviewer Comment (2018-04-19): 04/19/2018 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.


Buyer Comment (2018-04-18): Please see attached disclosure detail showing the ARM disclosure was sent with the initial disclosure package on 12/14/2017.
 04/19/2018     1 A [Redacted] OH Primary Purchase No Defined Cure C B C A C B A A Non QM Non QM No
203157555 [Redacted] [Redacted] 6215470 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Missing third party verification of self-employment for [Redacted].   Reviewer Comment (2018-04-19): Third Party Verification received in trailing documents. Exception cleared.


Buyer Comment (2018-04-18): Please see attached disclosure detail showing the ARM disclosure was sent with the initial disclosure package on 12/14/2017.
 04/19/2018     1 A [Redacted] OH Primary Purchase   C B C A C B A A Non QM Non QM No
203157556 [Redacted] [Redacted] 6213670 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] NJ Primary Purchase   C B C A B B C A Non QM Non QM No
203157556 [Redacted] [Redacted] 6245945 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. eConsent not found in file           2 B [Redacted] NJ Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203157556 [Redacted] [Redacted] 6245962 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing documentation for PITIA information on [REDACTED] property shown on Final 1003.   Reviewer Comment (2018-05-02): Property Sitex show free and clear, Hazard insurance not required on Free and clear


Reviewer Comment (2018-05-02): Received Site report showing property Free/Clear, missing Insurance.


Reviewer Comment (2018-05-02): Tax information has been provided for this property, but it shows the city as [REDACTED], whereas the application shows it as [REDACTED].  Also, insurance information and evidence property is free and clear are still required.
 05/02/2018     1 A [Redacted] NJ Primary Purchase   C B C A B B C A Non QM Non QM No
203157557 [Redacted] [Redacted] 6198562 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203157557 [Redacted] [Redacted] 6207326 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 656 is less than Guideline representative FICO score of 680. 656 < 680 Portfolio Select Bank Statement Investment Cash-out program.  Lender's approval and pricing based on 656 score < 680.   Exception not acknowledged by Lender Borrower's overall monthly debt payment decreased by $3,285.47 per month with this refinance

Borrower will have 71 months reserves after closing, which exceeds the guideline minimum of 6 months.  Borrower has verified reserves of $110,942.39.		 Reviewer Comment (2018-04-25): Client elects to waive reuirement for minimum credit score of 80.
     04/25/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203157557 [Redacted] [Redacted] 6227848 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing mortgage statement documenting 2,127.97 payment per 1003 includes escrow account for property taxes and hazard insurance for [REDACTED] (investment)   Reviewer Comment (2018-04-27): Proof of borrower's receipt of timely rental payments has not been provided.


Reviewer Comment (2018-04-27): Verification of PITI for [rEDACTED] Terrace has been provided.
 04/27/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203157557 [Redacted] [Redacted] 6227867 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing recent 12 month mortgage history for [REDACTED] (subject)

Missing recent 12 month mortgage history for [REDACTED] (investment)		   Reviewer Comment (2018-05-01): Reporting mortgage history meets guidelines 1x30; guidelines do not require mortgage history on all properties owned


Reviewer Comment (2018-05-01): Verification of PITI on [REDACTED] has been provided.


Reviewer Comment (2018-04-25): Twelve months cancelled checks have been provided totaling $3,146 per month.  Verification that this amount equals the total of mortgage payments for the two rental properties and verification of taxes and insurance and whether escrowed for each property are still required.


Buyer Comment (2018-04-23): The mortgages for these to properties are private mortgage, so there are no mortgage statements.  For the history, here are copies of mortgage payments to HOP & F, LLC which hold the mortgages to these properties.
 05/01/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203157557 [Redacted] [Redacted] 6227888 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 69.07867% exceeds Guideline total debt ratio of 45.00000%. 69.08% > 45% Portfolio Select Bank Statement program.  69.08% includes $3,674.44 total PITI's for subject and investment properties.  Lender's 38.82% based on 75% vacancy method using lease agreements to offset PITI's for both properties. Income calculation for properties owned during the previous tax year, must be calculated based on income reported on 1040's under Portfolio Select. Borrower's overall monthly debt payment decreased by $3,285.47 per month with this refinance

Borrower will have 71 months reserves after closing, which exceeds the guideline minimum of 6 months.  Borrower has verified reserves of $110,942.39.		 Reviewer Comment (2018-04-27): Received Credit Risk Summary & Exception approval 4/27/18


Reviewer Comment (2018-04-25): Lender has elected to waive requirement for using tax returns to calculate income as long as the file contains proof of rents received.  Verification of timely rental payment history for the 2 rental properties is required.
     04/27/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203157558 [Redacted] [Redacted] 6210339 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203157558 [Redacted] [Redacted] 6238700 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA Fees (HOA Dues and HOA Transfer) disclosed in Section C and should have been in Section H.           2 B [Redacted] FL Primary Purchase Good Faith Redisclosure C B C B B B C A Non QM Non QM Yes
203157558 [Redacted] [Redacted] 6241015 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 652 is less than Guideline representative FICO score of 660. 652 FICO < Guideline minimum of 660 for 85% LTV under Bank Statement program; Lender Exception approval not provided. 29% DTI on this Alt documentation loan <  45% guideline max Reviewer Comment (2018-04-26): Received Credit Risk Summary & Exception approval 4/26/18
     04/26/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203157559 [Redacted] [Redacted] 6183508 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] AZ Primary Purchase   C A A A A A C A Non QM Non QM No
203157560 [Redacted] [Redacted] 6195569 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C A A A A A C A Non QM Non QM No
203157561 [Redacted] [Redacted] 6186047 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor Qualifying Residual income discrepancy. Calculated investor qualifying disposable income of $1,757.53 is less than AUS required disposable income of $2,000.00. Credit Risk Summary & Exception Approval, pg 312. Residual income < required. Compensating Factors: 1) Credit History 2) LTV 3) Reserves. LTV of [Redacted] is less than the guideline max of 90%.

15 months of reserves exceeds guideline requirement of 6 months.

0x30 history for all tradelines.		 Reviewer Comment (2018-04-16): Credit Risk Summary & Exception approval P312
     04/16/2018 2 B [Redacted] FL Primary Purchase   C B C B C A A A Non QM Non QM No
203157561 [Redacted] [Redacted] 6186127 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final CD does not reflect an amount by which total closing costs exceeded the legal limit.   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A A A Non QM Non QM Yes
203157561 [Redacted] [Redacted] 6186129 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $35.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A A A Non QM Non QM Yes
203157561 [Redacted] [Redacted] 6204541 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] VVOE - Employment Only Missing VVOE dated within 10 days of closing.   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] FL Primary Purchase   C B C B C A A A Non QM Non QM No
203157561 [Redacted] [Redacted] 6204719 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77201) Fee not disclosed on LE. No valid change of circumstance nor cure provided.   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A A A Non QM Non QM Yes
203157562 [Redacted] [Redacted] 6198363 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Bankruptcy Documents not provided     Guideline variance approved by lender at time of origination

33.32% DTI on this full documentation loan < 45% guideline max - 11.68% below program guideline maximum

705 credit score exceeds guideline minimum of 660 by 45 points.		 Reviewer Comment (2018-04-25): Client elects to waive requirement for bankruptcy documentation.
     04/25/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203157562 [Redacted] [Redacted] 6198372 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203157562 [Redacted] [Redacted] 6211833 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Lender Exception Approval in file for a Credit event seasoning not met.  The borrower had a chapter 7 bankruptcy which was discharged on [Redacted]. Per guidelines, chapter 7 must be discharged for at least 24 months or 60 months if multiple filings.   On the Lender exception form, compensating factors include the FICO of 705 and a DTI of 40.03%. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-17): Credit Risk Summary & Exception approval p428
     04/17/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203157562 [Redacted] [Redacted] 6223088 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $9,307.06 > $8,982.06           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203157563 [Redacted] [Redacted] 6198886 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.     Reviewer Comment (2018-04-25): A copy of the disclosure has been provided along with evidence of delivery to the borrower.


Reviewer Comment (2018-04-19): Received ARM Disclosure Tracking. Actual disclosure provided within three days of application required for compliance testing.
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B C A A A Non QM Non QM No
203157563 [Redacted] [Redacted] 6224715 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.89 is less than Guideline PITIA months reserves of 6.00. 0.91 months ($1,799.64) < 6 months ($11,337.84) Platinum program.  Lender's 6 months calculation is not supported by asset verification in file. 12.55% DTI on this full documentation loan < 45% guideline max - 32.45% below program guideline maximum

808 representative FICO score > 720 guideline minimum - 88 points above guideline minimum

41.24% LTV < 80% guideline max -  $187,986 more equity than required by program guidelines

Borrower has $14.298.23 in residual income.		 Reviewer Comment (2018-04-26): Client elects to waive requirement for 6 months reserves.


Reviewer Comment (2018-04-19): Exception approval provided does not include valid compensating factors and is not signed.
     04/26/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A A A Non QM Non QM No
203157564 [Redacted] [Redacted] 6219821 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157564 [Redacted] [Redacted] 6221135 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.00743% exceeds Guideline total debt ratio of 45.00000%. The DTI does exceed 45% but does meet the exception policy based on compensating factors of the credit score and credit history. Lender Exception Approval form on page 258 of the loan file. Credit score, credit history. Reviewer Comment (2018-04-19): Exception in file for DTI > maximum allowed.
     04/19/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157564 [Redacted] [Redacted] 6235288 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   375.04% payment shock > max allowed per guidelines of 300%. Credit score, credit history. Reviewer Comment (2018-04-19): Exception in file for payment shock exceeds maximum allowed by program.
     04/19/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157564 [Redacted] [Redacted] 6235420 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   The borrower had 3 instances of NSF in the last 12 months.  Per guidelines, NSF and overdraft activity must be reviewed for acceptability.   Reviewer Comment (2018-04-30): Evidence of lender's review and acceptance of NSF activity has been provided.
 04/30/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157564 [Redacted] [Redacted] 6235450 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing e-consent   Reviewer Comment (2018-04-30): Evidence of borrower's consent has been provided.
 04/30/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203157565 [Redacted] [Redacted] 6195213 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157565 [Redacted] [Redacted] 6208408 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 690 is less than Guideline representative FICO score of 700. Bank statement guidelines - LTV of [Redacted] requires a minimum credit score of 700, borrowers credit score is 690 $21,819.05 Residual Income, Bank Statement income documentation Reviewer Comment (2018-04-19): Received credit exception approval with compensating factors. Exception waived.
     04/19/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157565 [Redacted] [Redacted] 6229534 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   Credit Risk Summary & Exception Approval in file, page 265. Payment Shock Exceeds maximum allowed by program. Compensating Factors: 1) DTI. 2) Residual Income. 17.961% DTI on this Bank Statement documentation loan < 45% guideline max

$21,819.05 Residual Income, Bank Statement income documentation		 Reviewer Comment (2018-04-18): Compensating Factors: 1) DTI. 2) Residual Income.
     04/18/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157565 [Redacted] [Redacted] 6229660 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.64 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval in file, page 265. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. 17.961% DTI on this Bank Statement documentation loan < 45% guideline max

$21,819.05 Residual Income, Bank Statement income documentation		 Reviewer Comment (2018-04-18): Compensating Factors: 1) DTI. 2) Residual Income.
     04/18/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157565 [Redacted] [Redacted] 6229848 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. eConsent not found in file   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cured.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203157566 [Redacted] [Redacted] 6203030 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. [Redacted] Section F Line 4, number of months is blank.           2 B [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203157566 [Redacted] [Redacted] 6214917 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $3,100.00 exceeds tolerance of $1,630.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Appraisal fee exceeds zero tolerance by $1470 and a sufficient cure of $1470 was provided.       04/17/2018   1 A [Redacted] CO Primary Purchase Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203157566 [Redacted] [Redacted] 6239286 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing evidence of market rent as determined by the appraiser required per section 3.14 Lease with Option to Purchase. Credit score, residual income.

750 representative FICO score > 660 guideline minimum - 90 points above guideline minimum

Borrower has residual income of $16,214.26, greater than guideline requirement of $3,000.

Borrower has job stability for 8 years as a [Redacted].		 Reviewer Comment (2018-04-25): Client elects to waive requirement for determination of market rents.
     04/25/2018 2 B [Redacted] CO Primary Purchase   C B C B B B A A Non QM Non QM No
203157566 [Redacted] [Redacted] 6239752 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 41.07238% exceeds Guideline housing ratio of 40.00000%. Calculated investor qualifying housing ratio of 40.96666% exceeds Guideline housing ratio of 40.00000%. Credit score, residual income. Reviewer Comment (2018-04-19): Exception in file for DTI > maximum allowed.
     04/19/2018 2 B [Redacted] CO Primary Purchase   C B C B B B A A Non QM Non QM No
203157566 [Redacted] [Redacted] 6239811 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.72 is less than Guideline PITIA months reserves of 6.00. Borrower is not a joint account holder with [REDACTED] on the [REDACTED] #xxx account.  Unable to use as verified assets. Credit score, residual income.

750 representative FICO score > 660 guideline minimum - 90 points above guideline minimum

Borrower has residual income of $16,214.26, greater than guideline requirement of $3,000.

Borrower has job stability for 8 years as a [Redacted].		 Reviewer Comment (2018-04-25): Client elects to waive reserve requirement.
     04/25/2018 2 B [Redacted] CO Primary Purchase   C B C B B B A A Non QM Non QM No
203157566 [Redacted] [Redacted] 6239817 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.44317% exceeds Guideline total debt ratio of 45.00000%. Calculated investor qualifying total debt ratio of 46.32363% exceeds Guideline total debt ratio of 45.00000%. Credit score, residual income. Reviewer Comment (2018-04-19): Exception in file for DTI > maximum allowed.
     04/19/2018 2 B [Redacted] CO Primary Purchase   C B C B B B A A Non QM Non QM No
203157567 [Redacted] [Redacted] 6220222 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing pages 34, 36 through 38, 48, 49 and 53 through 55 of 55 page Closing document containing Note, etc.   Reviewer Comment (2018-04-25): Missing pages have been provided.


Buyer Comment (2018-04-20): Note: Pages 36-38 and 48-49 are in file
 04/25/2018     1 A [Redacted] NC Investment Purchase   C A C A     A A     No
203157568 [Redacted] [Redacted] 6193784 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C A A A B A C A Non QM Non QM No
203157568 [Redacted] [Redacted] 6193797 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): Rec'd e-consent
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203157569 [Redacted] [Redacted] 6190124 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203157569 [Redacted] [Redacted] 6226062 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157570 [Redacted] [Redacted] 6193015 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203157570 [Redacted] [Redacted] 6193169 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $16,235 < $17,510           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203157571 [Redacted] [Redacted] 6209980 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157571 [Redacted] [Redacted] 6219968 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing e-consent           2 B [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203157571 [Redacted] [Redacted] 6219982 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Excessive insufficient funds transactions present on bank statements. 177 NSF's reflected within 24 month period used for income qualification. 1.78% DTI on this 24 month bank statement documentation loan < 45% guideline max - 43.22% below program guideline maximum

Borrower on this 24 month bank statement documentation loan has a disposable income of $747,566.89.		 Reviewer Comment (2018-05-07): Client has elected to waive guideline limiting the number of NSF transactions on this 24 month bank statement loan.  Credit Risk Summary & Exception Approval has been provided.  Compensating Factors: Low DTI; residual income in excess of guidelines.


Buyer Comment (2018-05-07): Regarding the NSf the DTI is @ 0.637 /1.93%, The LTV is @ 75%.  The residual income is $746,396, exception approved.
     05/07/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157571 [Redacted] [Redacted] 6240756 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Per the appraisal, the subject property was listed for sale.  Per guidelines, provide evidence it was taken off the market at least one day prior to the application date as well as borrower's written statement for the reason for the prior listing and intent to occupy the subject property. 1.78% DTI on this 24 month bank statement documentation loan < 45% guideline max - 43.22% below program guideline maximum

Borrower on this 24 month bank statement documentation loan has a disposable income of $747,566.89.		 Reviewer Comment (2018-05-07): Client has elected to waive.  Note that verification that the property is not currently listed has been provided.   Credit Risk Summary & Exception Approval has been provided.  Compensating factors: Low DTI; residual income.


Buyer Comment (2018-05-07): I have also attached validating property was delisted
     05/07/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157572 [Redacted] [Redacted] 6212867 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203157572 [Redacted] [Redacted] 6212880 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 03/23/2018, Transaction Loan was consummated on x/xx/xxxx.  Policy effective date 3/23/18. Borrower's mortgage payment decreased from $7,000 to $3152.43, a decrease of 55% or  $3,847.57 per month

Borrowers on this 24 month bank statement loan have residual income of $8,636.57/month, in excess of guideline requirement of $3,000.00.		 Reviewer Comment (2018-05-21): Policy was paid and was sufficient and is active.
     05/21/2018 2 B [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203157572 [Redacted] [Redacted] 6219211 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 675 is less than Guideline representative FICO score of 700. Matrix dated 1/8/18 reflects minimum score of 700 for 90% LTV Bank Statement program.  Lowest middle score of all borrowers to be used, which in this case is 675. Borrower's mortgage payment decreased from $7,000 to $3152.43, a decrease of 55% or  $3,847.57 per month

23.5 months reserves > 6 months guideline minimum - borrowers have verified reserves of $73,976.96.

Borrowers on this 24 month bank statement loan have residual income of $8,636.57/month, in excess of guideline requirement of $3,000.00.		 Reviewer Comment (2018-05-07): Client has elected to waive the guideline requirement for qualifying credit score of at least 700.  Lower middle score is 675.  Compensating factors:  Housing payment decreasing by over 50%, reserves in excess of guideline requirement of  months, residual income in excess of guideline requirement of $3,000.00.
     05/07/2018 2 B [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203157573 [Redacted] [Redacted] 6191043 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203157573 [Redacted] [Redacted] 6191048 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Agreement is not evident prior to borrower receiving and signing initial loan documents.           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157573 [Redacted] [Redacted] 6191049 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $14,150.50 while closing CD seller's fees total $12,600.00.           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203157574 [Redacted] [Redacted] 6184746 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203157574 [Redacted] [Redacted] 6185069 [Redacted] [Redacted] Credit Fix and Flip General FICO score is less than required by guidelines.  Investor requirements for minimum FICO score have not been met.   Credit Risk Summary & Exception Approval in file, page 227. Credit - Using Brokers score of 670 for program and pricing. Compensating Factor: 1) Reserves. 15 > 6 months required reserves Reviewer Comment (2018-04-18): Compensating Factor: 1) Reserves.
     04/18/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203157574 [Redacted] [Redacted] 6204651 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. Single Family Detached The subject property is 912 square foot and the minimum is 1200 for SFR. 15 > 6 months required reserves Reviewer Comment (2018-04-24): Lender exception approval provided 04/20/2018.  Comp factor - Reserves.
     04/24/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203157574 [Redacted] [Redacted] 6204766 [Redacted] [Redacted] Credit Credit Credit Documentation There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.   The current lease agreement was not provided.   Reviewer Comment (2018-04-24): Subject is currently rented per Operating Income Statement.  Using Appraisal rental analysis.
 04/24/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203157577 [Redacted] [Redacted] 6219681 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Loan is ATR risk due to lack of documentation for third party verification of self-employment.   Reviewer Comment (2018-04-24): Third party verification of business existence and two year history provided on 04/20/2018.
 04/24/2018     1 A [Redacted] TX Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203157577 [Redacted] [Redacted] 6219683 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Bank Statements Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. ([REDACTED] [Redacted]/Bank Statements) Self-employment verification is not provided in the file.   Reviewer Comment (2018-04-24): Third party verification provided on 04/20/2018.
 04/24/2018     1 A [Redacted] TX Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203157577 [Redacted] [Redacted] 6219685 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. ATR requirements may not be met.   Reviewer Comment (2018-04-24): Third party verification of business existence and two year history provided on 04/20/2018.
 04/24/2018     1 A [Redacted] TX Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203157577 [Redacted] [Redacted] 6219686 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Sign Consent documents were not provided in the file.   Reviewer Comment (2018-04-24): Esign consent agreement provided on 04/20/2018.
 04/24/2018     1 A [Redacted] TX Primary Refinance - Rate/Term No Defined Cure C B C B C A C A Non QM Non QM No
203157577 [Redacted] [Redacted] 6219694 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $166.88.   Reviewer Comment (2018-04-24): Lender attestation that fees were required by Borrower's chosen service provider was provided on 04/20/2018.
 04/24/2018     1 A [Redacted] TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203157577 [Redacted] [Redacted] 6219697 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $41.88 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188) While title fees on the LE were disclosed as shoppable, the new Title - Tax Certification Fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-24): Lender attestation that fees were required by Borrower's chosen service provider was provided on 04/20/2018.
 04/24/2018     1 A [Redacted] TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203157577 [Redacted] [Redacted] 6219698 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) While title fees on the LE were disclosed as shoppable, the new Title - Document Preparation fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-24): Lender attestation that fees were required by Borrower's chosen service provider was provided on 04/20/2018.
 04/24/2018     1 A [Redacted] TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203157577 [Redacted] [Redacted] 6219721 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203157577 [Redacted] [Redacted] 6220770 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 607 is less than Guideline representative FICO score of 620. Does not meet minimum 620 fico score for bank statement program. Lender exception granted. Compensating factors: low payment shock and good residual income. Payment shock, residual income. Reviewer Comment (2018-04-19): Exception in file for credit score < program requirements.
     04/19/2018 2 B [Redacted] TX Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203157577 [Redacted] [Redacted] 6243784 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] 2 years self-employment, Third Party Verification Missing evidence of 2 years self-employment.   Reviewer Comment (2018-04-26): Received business license information
 04/26/2018     1 A [Redacted] TX Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203157577 [Redacted] [Redacted] 6243798 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing. Payment shock, residual income. Reviewer Comment (2018-04-26): Received exception approval for 10 day requirement based on license search dated 2/16/18 and internet searched dated 4/20/18 and residual income and payment shock
     04/26/2018 2 B [Redacted] TX Primary Refinance - Rate/Term   C B C B C A C A Non QM Non QM No
203157578 [Redacted] [Redacted] 6209447 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157578 [Redacted] [Redacted] 6209791 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Final CD, Section G reflects homeowner's insurance escrow payment of $60.51/mo, which would be $726.12/yr.  Section F prepaids reflects $726.15 for 1 yr collected.           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203157578 [Redacted] [Redacted] 6218505 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.94 is less than Guideline PITIA months reserves of 6.00. Six months reserves required due to loan amount > $453,100. Borrower on this full documentation loan has a disposable income of $7,701.72, in excess of guideline requirement of $1,500.

Borrower's mortgage payment decreased by $937 per month		 Reviewer Comment (2018-04-25): Client elects to waive reserve requirement.
     04/25/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203157579 [Redacted] [Redacted] 6213136 [Redacted] [Redacted] 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.             2 B [Redacted] MD Primary Refinance - Cash-out - Other   C B A A C B A A Non QM Non QM No
203157579 [Redacted] [Redacted] 6213156 [Redacted] [Redacted] Compliance Compliance Federal Compliance Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.     Reviewer Comment (2018-04-25): Fully executed Notice of Right To Cancel has been provided.
 04/25/2018     1 A [Redacted] 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 C B A A C B A A Non QM Non QM Yes
203157579 [Redacted] [Redacted] 6255239 [Redacted] [Redacted] Compliance Compliance State Compliance Maryland HPML Threshold Test Compliant Maryland Higher-Priced Mortgage Loan: APR on subject loan of 8.22920% or Final Disclosure APR of 8.22200% is in excess of allowable threshold of APOR 4.17% + 1.5%, or 5.67000%.  Compliant Higher Priced Loan. Disclosed APR 8.22200% and Calculated APR 8.22920% > 5.67000% Tolerance           2 B [Redacted] MD Primary Refinance - Cash-out - Other   C B A A C B A A Non QM Non QM No
203157579 [Redacted] [Redacted] 6256126 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/xx/xx/xxxx)             2 B [Redacted] MD Primary Refinance - Cash-out - Other   C B A A C B A A Non QM Non QM No
203157580 [Redacted] [Redacted] 6207086 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203157580 [Redacted] [Redacted] 6212639 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing from file   Reviewer Comment (2018-04-24): rec'd e-consent
 04/24/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203157580 [Redacted] [Redacted] 6212668 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx)   Reviewer Comment (2018-04-24): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/24/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203157580 [Redacted] [Redacted] 6212670 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx)   Reviewer Comment (2018-04-24): Rec'd tracking to document borrower rec'd CD 3/5/18.
 04/24/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203157580 [Redacted] [Redacted] 6212671 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx)   Reviewer Comment (2018-04-24): Rec’d LOE, corrected CD and evidence of emailing.
   04/24/2018   2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203157580 [Redacted] [Redacted] 6212672 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $18.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $18.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77181)   Reviewer Comment (2018-04-24): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/24/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203157581 [Redacted] [Redacted] 6241334 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 80.00000%. 80% > 85% Portfolio Select Bank Statement Cash Out program.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: DTI 25.43% < 45% max and $10,943.46 Residual income >  $3,000.00 min. 25.09397% DTI on this full documentation loan -  guideline max is 45% below program guideline maximum Reviewer Comment (2018-04-19): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: DTI 25.43% < 45% max and $10,943.46 Residual income >  $3,000.00 min.
     04/19/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B A A A A Non QM Non QM No
203157581 [Redacted] [Redacted] 6241352 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of 80.00000%. 80% > 85% Portfolio Select Bank Statement Cash Out program.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: DTI 25.43% < 45% max and $10,943.46 Residual income >  $3,000.00 min. 25.09397% DTI on this full documentation loan -  guideline max is 45% below program guideline maximum Reviewer Comment (2018-04-19): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: DTI 25.43% < 45% max and $10,943.46 Residual income >  $3,000.00 min.
     04/19/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B A A A A Non QM Non QM No
203157581 [Redacted] [Redacted] 6241910 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.41 is less than Guideline PITIA months reserves of 6.00. 0.41 months ($1,276.60) < 6 months ($18,573.24) Portfolio Select Bank Statement program.  Lender's 6 months calculation is not supported by asset verification in file 25.09397% DTI on this full documentation loan -  guideline max is 45% below program guideline maximum Reviewer Comment (2018-04-24): Client elects to waive.
     04/24/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B A A A A Non QM Non QM No
203157582 [Redacted] [Redacted] 6199519 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C A C A A A C A Non QM Non QM No
203157582 [Redacted] [Redacted] 6199647 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   Missing third party tax preparer Expense Statement or borrower prepared Profit and Loss Statement as required per guidelines.   Reviewer Comment (2018-05-23): have P&Ls for 2016 and 2017


Reviewer Comment (2018-05-21): Rec'd 1/17 thru 12/17 P & L.  The bank statements in file cover a 24 month period from 2/16 thru 1/18.
 05/23/2018     1 A [Redacted] FL Primary Purchase   C A C A A A C A Non QM Non QM No
203157583 [Redacted] [Redacted] 6204438 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] IL Primary Purchase   C B A A B B C A Non QM Non QM No
203157583 [Redacted] [Redacted] 6205096 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $24,382.50 < $24,980.50           2 B [Redacted] IL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203157583 [Redacted] [Redacted] 6230504 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. eConsent not found in file           2 B [Redacted] IL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157584 [Redacted] [Redacted] 6213819 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203157584 [Redacted] [Redacted] 6219828 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: [Redacted] not provided   Missing a copy of a [Redacted], [Redacted] to document maximum $2,000.00 monthly obligation stated per 1003 and included DTI   Reviewer Comment (2018-04-24): [Redacted]
 04/24/2018     1 A [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203157584 [Redacted] [Redacted] 6243466 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 691 is less than Guideline representative FICO score of 700. 691 < 700 Portfolio Select Bank Statement program.   Lender's product and pricing based on 691 score.  Exception not acknowledged by Lender 12.29 months reserves > 6 months guideline minimum

Borrower on this Alt-Bank Statement documentation loan has a disposable income of $50,861.88

19.885% DTI on this Alt-Bank Statement documentation loan < 45% guideline max - 25% below program guideline maximum		 Reviewer Comment (2018-04-24): Lender exception approval provided on 04/20/2018.
     04/24/2018 2 B [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203157585 [Redacted] [Redacted] 6160219 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM No
203157585 [Redacted] [Redacted] 6160629 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller CD fees total $17,478.00, while closing CD seller's fees total $17,482.00.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203157585 [Redacted] [Redacted] 6213676 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing borrower signed E-consent.           2 B [Redacted] TX Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157586 [Redacted] [Redacted] 6212842 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203157586 [Redacted] [Redacted] 6221563 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Missing 3rd Party Verification of [REDACTED] and [REDACTED] within 10 days of closing Credit score, LTV, payment shock, residual income, stable employment history. Reviewer Comment (2018-04-24): Rec'd verification of [REDACTED] and [REDACTED] dated 4/18/18 and exception for VVOEs not within 10 days of closing.
     04/24/2018 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203157587 [Redacted] [Redacted] 6186379 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] TN Primary Purchase   C B A A B B C A Non QM Non QM No
203157587 [Redacted] [Redacted] 6186760 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller's CD reflects seller paid fees of $30,156.  Borrower's Final CD reflects seller paid fees of $29,525..           2 B [Redacted] TN Primary Purchase   C B A A B B C A Non QM Non QM Yes
203157587 [Redacted] [Redacted] 6220755 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) ClosingDisclosureTotalInterestPercentage(124.61000) > (MathClosingDisclosureTotalInterestPercentage(122.43800) + 0.003)           2 B [Redacted] TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203157588 [Redacted] [Redacted] 6210544 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203157588 [Redacted] [Redacted] 6210637 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) The seller's CD reflects $54,164.73 whereas the borrower's CD reflects $54,852.13.           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203157588 [Redacted] [Redacted] 6215880 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Agreement is not evident prior to borrower receiving and signing initial loan documents.   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157589 [Redacted] [Redacted] 6203968 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203157589 [Redacted] [Redacted] 6205811 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Agreement is not evident prior to borrower receiving and signing initial loan documents.   Reviewer Comment (2018-04-24): Rec'd e-consent
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203157589 [Redacted] [Redacted] 6205812 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on xx/xx/xxxx contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation Evidence of earlier borrower receipt of CD after change circumstance was not found in file.  The Disclosure Tracking Tool reflects a CD sent to and received bo the borrower xx/xx/xxxx which is not in file.   Reviewer Comment (2018-04-24): Rec'd CD issued and rec'd by the borrowerxx/xx/xxxx.
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203157589 [Redacted] [Redacted] 6213790 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) While title fees on the LE were disclosed as shoppable, the new Title - E-Recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-24): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/24/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203157589 [Redacted] [Redacted] 6213991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $6709.78, while closing CD seller's fees total $6655.28.   Reviewer Comment (2018-04-24): Rec’d LOE, corrected CD and evidence of emailing.
   04/24/2018   2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM Yes
203157589 [Redacted] [Redacted] 6214073 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) While title fees on the LE were disclosed as shoppable, the new Title - E-Recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-24): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/24/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203157589 [Redacted] [Redacted] 6228684 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing documentation to support that transfers into borrower's business account from checking #[Redacted] are from an acceptable source.  There is nothing in file to identify account #xxxx.  DTI subject to change.   Reviewer Comment (2018-05-07): Not required per guidelines
 05/07/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203157589 [Redacted] [Redacted] 6228876 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.99487% exceeds Guideline total debt ratio of 45.00000%. An exception in file indicates DTI > maximum allowed, however the DTI reflected on the form is 42.857% which is within guidelines.  Missing exception for DTI > 45%. Guideline variance approved by lender at time of origination
DTI > maximum allowed
1) Credit score 2) LTV		 Reviewer Comment (2018-04-24): Rec'd exception for DTI > maximum allowed.
     04/24/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203157589 [Redacted] [Redacted] 6228949 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-04-24): Rec'd DTI exception
 04/24/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203157589 [Redacted] [Redacted] 6228950 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-04-24): Rec'd DTI exception
 04/24/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203157590 [Redacted] [Redacted] 6189654 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CO Primary Purchase   C B A A B B C A Non QM Non QM No
203157590 [Redacted] [Redacted] 6190505 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer's CD discloses a higher $862.82 higher Property Tax amount paid by Seller at closing vs. $431.41 paid by Seller at closing per Seller's CD           2 B [Redacted] CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203157590 [Redacted] [Redacted] 6206621 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] CO Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157591 [Redacted] [Redacted] 6194334 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157591 [Redacted] [Redacted] 6194490 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing consent to receive electronic disclosure   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203157591 [Redacted] [Redacted] 6228898 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Credit Risk Summary & Exception Approval in file, page 216. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Payment Shock. 3) Residual Income. (5.8 < 6 months required reserves) 13.26% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $43,571.00		 Reviewer Comment (2018-04-18): Compensating Factors: 1) DTI. 2) Payment Shock. 3) Residual Income.
     04/18/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203157592 [Redacted] [Redacted] 6199426 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C A A A A A C A Non QM Non QM No
203157593 [Redacted] [Redacted] 6217157 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 03/22/2018 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation Loan program changed on xx/xx/xxxx and CD was not provided until 03/22/2018.  Closing date is xx/xx/xxxx; borrower did not receive Interim CD with change in program 3 business days prior to closing.  Loan file is missing CD sent on xx/xx/xxxx per disclosure tracking summary.   Reviewer Comment (2018-05-08): x/xx CD shows fixed rate


Reviewer Comment (2018-04-25): Interim CD dated xx/xx/xxxx has been provided.  However, the APR changed from the x/xx CD to the final CD dated x/xx.  This change was not provided to the borrower 3 days prior to closing.
 05/08/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A C B A A Non QM Non QM No
203157593 [Redacted] [Redacted] 6219499 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $39,038.43 while Borrower CD seller's fees total $37,837.32.           2 B [Redacted] FL Primary Purchase   C B A A C B A A Non QM Non QM Yes
203157594 [Redacted] [Redacted] 6213197 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   Housing history does not meet 12 month history verification and has been living rent free since October 2016,  but meets the exception policy based on compensating factor of over 10 years of self employment and borrower exceeds the residual income requirement. Borrower on this Alt documentation loan has a disposable income of $11,832 Reviewer Comment (2018-04-19): Credit Risk Summary & Exception approval p579
     04/19/2018 2 B [Redacted] NJ Primary Purchase   C B C B B A C A Non QM Non QM No
203157594 [Redacted] [Redacted] 6213476 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NJ Primary Purchase   C B C B B A C A Non QM Non QM No
203157594 [Redacted] [Redacted] 6217171 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Evidence of receipt or acknowledgment of document not found.   Reviewer Comment (2018-04-30): Received
 04/30/2018     1 A [Redacted] NJ Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203157594 [Redacted] [Redacted] 6218084 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 85.00000%. LTV exceeds 85% based on borrower's middle credit score and no exception approval is evident. Borrower on this Alt documentation loan has a disposable income of $11,832 Reviewer Comment (2018-04-30): Received Credit Risk Summary & Exception approval 4/30/18
     04/30/2018 2 B [Redacted] NJ Primary Purchase   C B C B B A C A Non QM Non QM No
203157594 [Redacted] [Redacted] 6218089 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of 85.00000%. CLTV exceeds 85% based on borrower's middle credit score and no exception approval is evident. Borrower on this Alt documentation loan has a disposable income of $11,832 Reviewer Comment (2018-04-30): Received Credit Risk Summary & Exception approval 4/30/18
     04/30/2018 2 B [Redacted] NJ Primary Purchase   C B C B B A C A Non QM Non QM No
203157594 [Redacted] [Redacted] 6218460 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.51 is less than Guideline PITIA months reserves of 6.00. PITIA reserves do not meet required 6 months but meets the exception policy based on compensating factor of over 10 years of self employment and residual income exceeds $3000. Borrower on this Alt documentation loan has a disposable income of $11,832 Reviewer Comment (2018-04-19): Credit Risk Summary & Exception approval p579
     04/19/2018 2 B [Redacted] NJ Primary Purchase   C B C B B A C A Non QM Non QM No
203157595 [Redacted] [Redacted] 6196175 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203157595 [Redacted] [Redacted] 6196185 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $16,922 while closing CD seller's fees total $15,172.           2 B [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM Yes
203157595 [Redacted] [Redacted] 6231019 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Third party verification of business existence within 10 calendar days of closing was not provided. 732 credit score exceeds guideline minimum of 700 by 32 points.

Borrower on this full documentation loan has a disposable income of $3,545.58, in excess of guideline requirement of $3,000.		 Reviewer Comment (2018-04-25): Client elects to waive requirement for third party verification of business within 10 days of closing.
     04/25/2018 2 B [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203157595 [Redacted] [Redacted] 6231033 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.07437% exceeds Guideline total debt ratio of 45.00000%. DTI > 45% guideline max; Lender incorrectly calculated expense ratio and qualifying income using only the total business expenses and not the total expenses including COGS from the P&L. 732 credit score exceeds guideline minimum of 700 by 32 points.

Borrower on this full documentation loan has a disposable income of $3,545.58, in excess of guideline requirement of $3,000.		 Reviewer Comment (2018-04-25): Client elects to waive exception for DTI > guideline maximum of 45%.
     04/25/2018 2 B [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203157595 [Redacted] [Redacted] 6231138 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > Guideline Max   Reviewer Comment (2018-04-27): Received Credit Risk Summary & Exception approval 4/25/18


Reviewer Comment (2018-04-25): Client elects to waive exception for DTI > guideline maximum of 45% and for loan designation.
 04/27/2018     1 A [Redacted] IL Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203157595 [Redacted] [Redacted] 6231139 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > Guideline Max   Reviewer Comment (2018-04-27): Received Credit Risk Summary & Exception approval 4/25/18


Reviewer Comment (2018-04-25): Client elects to waive exception for DTI > guideline maximum of 45%.
 04/27/2018     1 A [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203157596 [Redacted] [Redacted] 6200693 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] NJ Primary Purchase   C A A A A A C A Non QM Non QM No
203157597 [Redacted] [Redacted] 6197318 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] IN Primary Purchase   C B C B C B C A Non QM Non QM No
203157597 [Redacted] [Redacted] 6197323 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   Payment shock does exceed 350% but meets the exception policy based on compensating factor of Reserves are 3 month greater than published guidelines and residual income is greater than $2500. 21.65% DTI on this (Documentation Type) documentation loan < 45% guideline max - 23.35% below program guideline maximum

17.29 months reserves > 6 months guideline minimum - borrowers have verified reserves of $46.395.18.		 Reviewer Comment (2018-04-25): Client elects to waive exception for payment shock.
     04/25/2018 2 B [Redacted] IN Primary Purchase   C B C B C B C A Non QM Non QM No
203157597 [Redacted] [Redacted] 6197363 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for $15.00 tolerance.   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203157597 [Redacted] [Redacted] 6197368 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $15.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $15.00 Title - Recording Fee not disclosed on Loan Estimate dated 2/21/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $15.00 tolerance.   Reviewer Comment (2018-04-24): Received Attestation letter
 04/24/2018     1 A [Redacted] IN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203157597 [Redacted] [Redacted] 6207950 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $225.00 net difference.   Seller's CD discloses $315.00 Broker Bill and $5.00 Title - TIEFF fees paid by Seller at closing not disclosed on Consumer's CD.  Consumer's CD discloses $325.00 and $215.00 Title - Attorney fees paid by Seller at closing not disclosed on Seller's CD   Reviewer Comment (2018-04-24): Rec'd LOE, corrected CD and evidence of emailing.
   04/24/2018   2 B [Redacted] IN Primary Purchase   C B C B C B C A Non QM Non QM Yes
203157597 [Redacted] [Redacted] 6228894 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] IN Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203157597 [Redacted] [Redacted] 6229135 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   369.74460% > 350% Platinum program.  Lender's 370% > 350%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 22.19% DTI, 12 months Reserves and $13,166.37 Residual income 21.65% DTI on this (Documentation Type) documentation loan < 45% guideline max - 23.35% below program guideline maximum Reviewer Comment (2018-04-18): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 22.19% DTI, 12 months Reserves and $13,166.37 Residual income
     04/18/2018 2 B [Redacted] IN Primary Purchase   C B C B C B C A Non QM Non QM No
203157598 [Redacted] [Redacted] 6190468 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] TX Primary Purchase   C A C A C A C A Non QM Non QM No
203157598 [Redacted] [Redacted] 6199489 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Evidence of receipt or acknowledgment of document not found.   Reviewer Comment (2018-04-25): Evidence of borrower's consent has been provided.
 04/25/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C A C A C A C A Non QM Non QM No
203157598 [Redacted] [Redacted] 6199492 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Evidence of earlier borrower receipt was not found in file.   Reviewer Comment (2018-04-26): Evidence of borrower's receipt of the initial CD has been provided.


Reviewer Comment (2018-04-25): Evidence of receipt of interim CD has not been provided.  Exception remains.
 04/26/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C A C A C A C A Non QM Non QM No
203157598 [Redacted] [Redacted] 6226119 [Redacted] [Redacted] Credit Assets Asset Documentation Missing Document: Asset Documentation not provided   Missing Closing statement/HUD1 from sale of previous residence.   Reviewer Comment (2018-04-25): Final Settlement Statement from sale of previous residence has been provided.
 04/25/2018     1 A [Redacted] TX Primary Purchase   C A C A C A C A Non QM Non QM No
203157600 [Redacted] [Redacted] 6203913 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] UT Primary Purchase   C B C A B B C A Non QM Non QM No
203157600 [Redacted] [Redacted] 6203997 [Redacted] [Redacted] Credit Credit Credit Eligibility There are red flags on the fraud report that have not been addressed Credit Report: Original // Borrower: [REDACTED] Borrower 1 alert for SSN, no LOE or corrected Fraud Report in file.   Reviewer Comment (2018-04-24): SSN verification provided on 04/20/2018.
 04/24/2018     1 A [Redacted] UT Primary Purchase   C B C A B B C A Non QM Non QM No
203157600 [Redacted] [Redacted] 6204179 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign consent by borrowers   Reviewer Comment (2018-04-24): Esign consent agreement provided on 04/20/2018.
 04/24/2018     1 A [Redacted] UT Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203157600 [Redacted] [Redacted] 6204181 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $28,731 while closing CD seller's fees total $0.           2 B [Redacted] UT Primary Purchase   C B C A B B C A Non QM Non QM Yes
203157601 [Redacted] [Redacted] 6198138 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203157601 [Redacted] [Redacted] 6198163 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign consent to meet electronic delivery of disclosure and receipt by borrower.           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203157602 [Redacted] [Redacted] 6187979 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A Non QM N/A No
203157603 [Redacted] [Redacted] 6198388 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Investment Purchase   C A A A A A C A N/A N/A No
203157604 [Redacted] [Redacted] 6207710 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A C A A A C A N/A N/A No
203157604 [Redacted] [Redacted] 6207879 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Missing proof of monthly tax liability for REO located at [REDACTED] to be included in total housing payment for correct DTI.   Reviewer Comment (2018-05-17): Received proof of taxes
 05/17/2018     1 A [Redacted] FL Investment Purchase   C A C A A A C A N/A N/A No
203157605 [Redacted] [Redacted] 6221813 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203157606 [Redacted] [Redacted] 6195828 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.77862% exceeds Guideline total debt ratio of 45.00000%. 45.62% > 45% Platinum program.   Lender's 45.30% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.    Compensating factors: 22 months Reserves and $12,295.77 Residual income Borrower has reserves of 23.67 months and the guideline is 6 months.

Borrower on this full documentation loan has a residual income of $12,263.20 and the guideline is $3,000.  This is a purchase of a condo.		 Reviewer Comment (2018-04-18): Lender's Credit Risk Summary & Exception Approval in file.    Compensating factors: 22 months Reserves and $12,295.77 Residual income
     04/18/2018 2 B [Redacted] FL Primary Purchase   C B C B B B A A Non QM Non QM No
203157606 [Redacted] [Redacted] 6195856 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) .           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203157606 [Redacted] [Redacted] 6212698 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-19): Received E-Consent Disclosure in trailing documents. Disclosure is date compliant. Exception cleared.
 04/19/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B B A A Non QM Non QM No
203157607 [Redacted] [Redacted] 6209123 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] IL Primary Purchase   C B C B C A C A Non QM Non QM No
203157607 [Redacted] [Redacted] 6209146 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 54.34867% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in File, pg 377.
DTI maximum allowed. Alternative income calculation used - not hitting for Schedule C loss.
Compensating Factors: 1) LTV 2) Residual Income		 DTI > 45%. Guideline variance approved by lender at time of origination.
32.8 months reserves > 6 months guideline minimum - borrower have $148,170.78,

Borrower on this full documentation loan has a disposable income of $4,200.83.

LTV is 75%		 Reviewer Comment (2018-04-24): Exception in file for DTI exceeds maximum.
     04/24/2018 2 B [Redacted] IL Primary Purchase   C B C B C A C A Non QM Non QM No
203157607 [Redacted] [Redacted] 6209420 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Lender granted a DTI exception   Reviewer Comment (2018-04-24): DTI exception in file
 04/24/2018     1 A [Redacted] IL Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203157607 [Redacted] [Redacted] 6209421 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Lender granted a DTI exception   Reviewer Comment (2018-04-24): DTI exception in file
 04/24/2018     1 A [Redacted] IL Primary Purchase   C B C B C A C A Non QM Non QM No
203157607 [Redacted] [Redacted] 6209422 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not provided   Reviewer Comment (2018-04-24): Rec'd e-consent
 04/24/2018     1 A [Redacted] IL Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203157607 [Redacted] [Redacted] 6209423 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Compliance report validates total interest paid disclosed on final CD.   Reviewer Comment (2018-04-24): Cleared with compliance re-run.


Buyer Comment (2018-04-19): [REDACTED] used 2.508% as the Index
 04/24/2018     1 A [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203157607 [Redacted] [Redacted] 6209424 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Total Closing costs exceeds legal limit not notated. Lender did not disclose a legal limit overage amount   Reviewer Comment (2018-04-24): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/24/2018     1 A [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203157607 [Redacted] [Redacted] 6209430 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Courier / Express Mail / Messenger Fee.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7778) Borrower shopped for title services   Reviewer Comment (2018-04-24): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/24/2018     1 A [Redacted] IL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203157608 [Redacted] [Redacted] 6205056 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] SC Investment Purchase   C A C A A A C A N/A N/A No
203157608 [Redacted] [Redacted] 6205077 [Redacted] [Redacted] Credit System General Flood Certificate Subject Address does not match Note address.   Flood Certificate does not disclose the Unit # listed on the Note.   Reviewer Comment (2018-04-25): A corrected flood cert has been provided.
 04/25/2018     1 A [Redacted] SC Investment Purchase   C A C A A A C A N/A N/A No
203157608 [Redacted] [Redacted] 6205425 [Redacted] [Redacted] 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: [Redacted] Subject property reflects both PUD and Condo Rider; appraisal reflects property as Detached.   Reviewer Comment (2018-04-25): Property is a site condo; appraisal report type is acceptable.
 04/25/2018     1 A [Redacted] SC Investment Purchase   C A C A A A C A N/A N/A No
203157609 [Redacted] [Redacted] 6201585 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Higher Priced QM Higher Priced QM No
203157609 [Redacted] [Redacted] 6201659 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.28090% or Final Disclosure APR of 7.30300% is in excess of allowable threshold of APOR 4.25% + 1.5%, or 5.75000%.  Compliant Rate Spread Home Loan. Disclosed APR 7.30300% and Calculated APR 7.20550% > 5.75000% Tolerance           2 B [Redacted] NC Primary Purchase   C B A A C B C A Higher Priced QM Higher Priced QM No
203157609 [Redacted] [Redacted] 6201790 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, line 05, # of mos. field is blank.  $2,619.45 Property Taxes paid by Seller at closing           2 B [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Higher Priced QM Higher Priced QM Yes
203157609 [Redacted] [Redacted] 6237453 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure discloses a $17.00 Lender cure credit for $80.00 and $35.00 tolerance amounts   Reviewer Comment (2018-04-25): Lender provided Attestation that title fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Higher Priced QM Higher Priced QM Yes
203157609 [Redacted] [Redacted] 6237455 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $80.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) $80.00 Title - Title Search fee not disclosed on Loan Estimate dated 1/5/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $80.00 tolerance.   Reviewer Comment (2018-04-25): Lender provided Attestation that title fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Higher Priced QM Higher Priced QM Yes
203157609 [Redacted] [Redacted] 6237456 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $35.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7727) $35.00 Title - Update fee not disclosed on Loan Estimate dated 1/5/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $35.00 tolerance.   Reviewer Comment (2018-04-25): Lender provided Attestation that title fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Higher Priced QM Higher Priced QM Yes
203157609 [Redacted] [Redacted] 6238902 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xx/xx/xxxx) Valuation received date [Redacted] valuation report date           2 B [Redacted] NC Primary Purchase   C B A A C B C A Higher Priced QM Higher Priced QM No
203157610 [Redacted] [Redacted] 6209356 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) the was no disclosure 3 business days prior to closing.   Reviewer Comment (2018-04-25): Evidence of borrower's receipt of the initial CD on xx/xx/xxxx has been provided.
 04/25/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C A A A C A A A Non QM Non QM No
203157611 [Redacted] [Redacted] 6210392 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] IN Primary Purchase   C B C B C A C A Non QM Non QM No
203157611 [Redacted] [Redacted] 6240139 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for $337.00 tolerance.   Reviewer Comment (2018-04-25): Received CD dated x/x with COC
 04/25/2018     1 A [Redacted] IN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203157611 [Redacted] [Redacted] 6240140 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on [Redacted] contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation Final Closing Disclosure issued [Redacted],  disclosing change in loan APR, loan amount, interest rate and principal & interest,  > 3 business days prior to xx/xx/xxxx closing date.    Missing intervening Closing Disclosure dated xx/xx/xxxx referenced on Lender's Disclosure Tracking Tool,  Loan file only contains Change of Circumstance dated xx/xx/xxxx disclosing change in loan amount, settlement fees and APR.   Reviewer Comment (2018-04-26): Updated date of receipt
 04/26/2018     1 A [Redacted] IN Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203157611 [Redacted] [Redacted] 6240141 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $5,729.00 exceeds tolerance of $5,392.00.  Insufficient or no cure was provided to the borrower. (73109) $5,392.00 fee disclosed on Loan Estimate and initial Closing Disclosure dated xx/xx/xxxx.  $5,729.00 fee disclosed on Final Closing Disclosure dated xx/xx/xxxx.  Missing intervening Closing Disclosure dated xx/xx/xxxx referenced on Lender's Disclosure Tracking Tool,  Loan file only contains Change of Circumstance dated xx/xx/xxxx disclosing change in loan amount, settlement fees and APR.  Final Closing Disclosure does not disclose a Lender cure credit for $337.00 tolerance.   Reviewer Comment (2018-04-25): Received CD dated x/x with COC
 04/25/2018     1 A [Redacted] IN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203157611 [Redacted] [Redacted] 6240274 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   Missing intervening Closing Disclosure dated xx/xx/xxxx referenced on Lender's Disclosure Tracking Tool,  Loan file only contains Change of Circumstance dated 3/2/2018 disclosing change in loan amount, settlement fees and APR.  TRID test incomplete.   Reviewer Comment (2018-04-25): Received
 04/25/2018     1 A [Redacted] IN Primary Purchase   C B C B C A C A Non QM Non QM Yes
203157611 [Redacted] [Redacted] 6240505 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 654 is less than Guideline representative FICO score of 660. 654 per Lender's credit report < 660 Portfolio Select Bank Statement 85% LTV program.  1008 Loan Transmittal states 666 score per Broker's report in file. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-19): 1008 Loan Transmittal states 666 score per Broker's report in file.
     04/19/2018 2 B [Redacted] IN Primary Purchase   C B C B C A C A Non QM Non QM No
203157612 [Redacted] [Redacted] 6205325 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] NJ Primary Purchase   C B C B C B C A Non QM Non QM No
203157612 [Redacted] [Redacted] 6205514 [Redacted] [Redacted] 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.             2 B [Redacted] NJ Primary Purchase   C B C B C B C A Non QM Non QM No
203157612 [Redacted] [Redacted] 6205548 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Provided Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Documentation not provided.           2 B [Redacted] NJ Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203157612 [Redacted] [Redacted] 6216464 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.46922% exceeds Guideline total debt ratio of 45.00000%. Bank statement program has maximum 45% debt ratio. Lender did not address debt ratio exception. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-25): Exception approval for exceeding DTI by < 1% based on Cedit Score, LTV, payment shock, reserves, and residual income
     04/25/2018 2 B [Redacted] NJ Primary Purchase   C B C B C B C A Non QM Non QM No
203157612 [Redacted] [Redacted] 6216482 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-04-25): Received exception approval
 04/25/2018     1 A [Redacted] NJ Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203157612 [Redacted] [Redacted] 6216483 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-04-25): Received exception approva
 04/25/2018     1 A [Redacted] NJ Primary Purchase   C B C B C B C A Non QM Non QM No
203157612 [Redacted] [Redacted] 6238527 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing third party tax preparer Expense Statement or borrower prepared Profit and Loss Statement to determine expense factor.   Reviewer Comment (2018-04-20): CPA letter with expense statement located in file
 04/20/2018     1 A [Redacted] NJ Primary Purchase   C B C B C B C A Non QM Non QM No
203157613 [Redacted] [Redacted] 6213791 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.18 is less than Guideline PITIA months reserves of 6.00. Reserves does not meet 6 months requirement but meets the exception policy based on compensating factor of primary wage earner has over 5 years at their current job and payment shock is less than 125%. Guideline variance approved by lender at time of origination.
Reserve requirements not met
1) Payment Shock not a factor 2) Stable employment history - Borrowers have 9 and 8 years at current employment		 Reviewer Comment (2018-04-18): Credit Risk Summary & Exception approval p310
     04/18/2018 2 B [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203157613 [Redacted] [Redacted] 6213931 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203157613 [Redacted] [Redacted] 6214253 [Redacted] [Redacted] Credit System General Valuation address does not match Note address. Valuation Type: Appraisal / Valuation Report Date: [Redacted] Property is a two unit property with separate addresses. Appraisal reflects property address as [REDACTED] and not as [REDACTED] as reflected on the note.   Reviewer Comment (2018-04-24): Corrected Note provided on 04/20/2018 with LOX and confirmation of delivery to the Borrower.
 04/24/2018     1 A [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203157613 [Redacted] [Redacted] 6220323 [Redacted] [Redacted] Credit System General Insurance address does not match Note address.   Address reflected on Homeowner's Insurance policy is [REDACTED], which differs from the Note.   Reviewer Comment (2018-04-24): Corrected Note provided on 04/20/2018 with LOX and confirmation of delivery to the Borrower.
 04/24/2018     1 A [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203157614 [Redacted] [Redacted] 6211818 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203157614 [Redacted] [Redacted] 6212125 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Final CD did not disclose the number of months for city property tax under prepaids section.           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203157614 [Redacted] [Redacted] 6242925 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.53930% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 236. Debt Ratio exceeds program guidelines. Compensating Factors: 1) Credit Score. 2) LTV. 807 representative FICO score > 660 guideline minimum

58.90% LTV < 80% guideline max		 Reviewer Comment (2018-04-19): Compensating Factors: 1) Credit Score. 2) LTV.
     04/19/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203157614 [Redacted] [Redacted] 6242992 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 46.12850% exceeds Guideline housing ratio of 40.00000%. Exception approval not documented for housing ratio exceeding 40% 807 representative FICO score > 660 guideline minimum

58.90% LTV < 80% guideline max		 Reviewer Comment (2018-04-25): Client elects to waive exception for DTI in excess of guideline.
     04/25/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203157614 [Redacted] [Redacted] 6243848 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Telephone Listing / Internet Search / Directory Assistance A Third Party tax prepared, CPA prepared Business Expense Statement letter was not signed by the preparer.   Reviewer Comment (2018-04-25): Internet search of borrower's company has been provided.
 04/25/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203157615 [Redacted] [Redacted] 6216360 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD fees total $17,340.30, while closing CD seller's fees total $14,450.25.           2 B [Redacted] SC Primary Purchase   B B A A B B A A Non QM Non QM Yes
203157616 [Redacted] [Redacted] 6185009 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] SC Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203157616 [Redacted] [Redacted] 6225375 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.65 is less than Guideline PITIA months reserves of 6.00. 2.65 months ($4,085.70) < 6 months ($9,257.46) Platinum program.  Lender's 6 months calculation is not supported by asset verification in file. 23.374% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $8,050.72		 Reviewer Comment (2018-04-24): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Credit Score. 2) DTI. 3) LTV. 4) Residual Income. 5) Stable Employment History.
     04/24/2018 2 B [Redacted] SC Primary Refinance - Cash-out - Other   C B C B B A C A Non QM Non QM No
203157616 [Redacted] [Redacted] 6225418 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] SC Primary Refinance - Cash-out - Other No Defined Cure C B C B B A C A Non QM Non QM No
203157617 [Redacted] [Redacted] 6189676 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] OR Primary Refinance - Cash-out - Other   C A A A B A C A Non QM Non QM No
203157617 [Redacted] [Redacted] 6190073 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not provided   Reviewer Comment (2018-04-24): rec'd e-consent
 04/24/2018     1 A [Redacted] OR Primary Refinance - Cash-out - Other No Defined Cure C A A A B A C A Non QM Non QM No
203157617 [Redacted] [Redacted] 6207900 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $550.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) sufficient cure provided to borrower       04/16/2018   1 A [Redacted] OR Primary Refinance - Cash-out - Other Final CD evidences Cure C A A A B A C A Non QM Non QM Yes
203157618 [Redacted] [Redacted] 6217510 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of [Redacted] is greater than Guideline total cash-out of $100,000.00. Cash out to borrower exceeds $100,000 but meets exception policy based on compensating factor of borrower has $2500 in residual income residential payment history for 24 months is 0x30. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-18): Credit Risk Summary & Exception approval p305
     04/18/2018 2 B [Redacted] CA Investment Refinance - Cash-out - Other   C B C B B B C A N/A N/A No
203157618 [Redacted] [Redacted] 6217655 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   C B C B B B C A N/A N/A No
203157618 [Redacted] [Redacted] 6219581 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xx/xx/xxxx) Appraisal effective date is 2/8/18 and Report date is [Redacted]. Appraisal was provided [Redacted].           2 B [Redacted] CA Investment Refinance - Cash-out - Other   C B C B B B C A N/A N/A No
203157619 [Redacted] [Redacted] 6211291 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance of appraised value
 04/25/2018     1 A [Redacted] IL Primary Purchase   C B A A B B C A Non QM Non QM No
203157619 [Redacted] [Redacted] 6212954 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Final CD Seller paid fees (J) is $10,892.50 and the seller CD seller paid fees (J) is $12,807.41.           2 B [Redacted] IL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203157620 [Redacted] [Redacted] 6213403 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507) Final Closing Disclosure discloses a $125.00 Lender cure credit for tolerance       04/17/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure B B A A B B A A Non QM Non QM Yes
203157620 [Redacted] [Redacted] 6213514 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses a higher $5,636.55 Property Tax amount paid by Seller at closing vs. $5,580.19 amount disclosed on Consumer's CD ($56.36 difference)           2 B [Redacted] FL Primary Purchase   B B A A B B A A Non QM Non QM Yes
203157621 [Redacted] [Redacted] 6203932 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.53 is less than Guideline PITIA months reserves of 6.00. 3.53 months < 6 months Portfolio Select program.  Lender's 3 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 37.97% DTI and $9,567.40 Residual income Guideline variance approved by lender at time of origination DTI > 45%.

Borrower on this (Documentation Type) documentation loan has a disposable income of $9,567.40		 Reviewer Comment (2018-04-18): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 37.97% DTI and $9,567.40 Residual income
     04/18/2018 2 B [Redacted] MN Primary Purchase   C B C B C B C A Non QM Non QM No
203157621 [Redacted] [Redacted] 6203949 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] MN Primary Purchase   C B C B C B C A Non QM Non QM No
203157621 [Redacted] [Redacted] 6204116 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 8.16220% or Final Disclosure APR of 8.22200% is in excess of allowable threshold of USTreasury 2.7700% + 3%, or 5.77000%.  Compliant Subprime Loan. Disclosed APR 8.22200% and Calculated APR 8.162200% > 5.77000% Tolerance           2 B [Redacted] MN Primary Purchase   C B C B C B C A Non QM Non QM No
203157621 [Redacted] [Redacted] 6204117 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx) Lease Option Purchase.   Seller's and Consumer's CD's disclose not closing costs paid by Seller at closing   Reviewer Comment (2018-04-25): Lease purchase no seller fees


Buyer Comment (2018-04-20): Per sales contract there were no seller paid fees
 04/25/2018     1 A [Redacted] MN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203157621 [Redacted] [Redacted] 6204118 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $138.00 exceeds tolerance of $92.00 plus 10% or $101.20.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $36.80 Lender cure credit for tolerance       04/16/2018   1 A [Redacted] MN Primary Purchase Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203168214 [Redacted] [Redacted] 6111628 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-24): Appraisal Effective date 2/12/18
     04/24/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168214 [Redacted] [Redacted] 6111641 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168214 [Redacted] [Redacted] 6111643 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy The hazard insurance policy does not reflect the Lender as Payee.       Reviewer Comment (2018-04-10): Received with Lender as Payee
 04/10/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168214 [Redacted] [Redacted] 6111963 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Status TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.     Reviewer Comment (2018-04-10): Received
 04/10/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203168214 [Redacted] [Redacted] 6134831 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 141.112% > Calculated TIP 136.642%.           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203168214 [Redacted] [Redacted] 6134872 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Alternate Table Usage TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Loan Estimates and Initial Closing Disclosure disclosures were issued on the "With Seller" form, and Revised and Final Closing Disclosure were issued on the "Without Seller" form           2 B [Redacted] CA Primary Refinance - Cash-out - Other Good Faith Redisclosure C B C B C B C A Non QM Non QM Yes
203168214 [Redacted] [Redacted] 6134891 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $475.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $25.00 Lender cure credit for tolerance       04/09/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203168214 [Redacted] [Redacted] 6134958 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing satisfactory evidence $73,743.35 disbursed to the IRS at closing pays in full and satisfies $81,692.00, $80,562.00, $32,897 and $74,718.00 Federal Tax Liens per Public Records.   Reviewer Comment (2018-04-10): Offer and compromise provided, payoff in file.
 04/10/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168214 [Redacted] [Redacted] 6134974 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. Condo (Low Rise) 19% of units HOA dues delinquent per HOA Cert > 15% of the units maximum under Portfolio Select.  Lender's Credit Risk Summary & Exception Approval in file. Compensating factors:  33.34% DTI, $13,089.27 Residual income, 19 years stable employment and housing payment decreasing 20.3% xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum

Borrower has employment stability for ## years in the (Industry Name).

Guideline variance approved by lender at time of origination		 Reviewer Comment (2018-04-09): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors:  33.34% DTI, $13,089.27 Residual income, 19 years stable employment and housing payment decreasing 20.3%
     04/09/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168215 [Redacted] [Redacted] 6118788 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) The home owner's insurance paid at closing was $2,161.84 but the amount collected escrows is $181.57 (x 12 = $2,178.78)           2 B [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203168215 [Redacted] [Redacted] 6128005 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.44 is less than Guideline PITIA months reserves of 6.00.   Borrower on this Alt documentation loan has a disposable income of $7800 Reviewer Comment (2018-04-10): Received Credit Risk Summary & Exception approval 4/10/18
     04/10/2018 2 B [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation   C B C B B B C A Non QM Non QM No
203168215 [Redacted] [Redacted] 6128411 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation   C B C B B B C A Non QM Non QM No
203168216 [Redacted] [Redacted] 6122813 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   17 acre site > 10 acre maximum under Portfolio Select.   Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 15.783% DTI xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum Reviewer Comment (2018-04-09): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 15.783% DTI
     04/09/2018 2 B [Redacted] VA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168216 [Redacted] [Redacted] 6123446 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] VA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168216 [Redacted] [Redacted] 6123490 [Redacted] [Redacted] Credit Credit General Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of [Redacted] is less than the note amount of $xxx,xxx.xx based on the title evidence in file.     Reviewer Comment (2018-04-12): Rec'd commitment reflecting a loan amount of $xxx,xxx.
 04/12/2018     1 A [Redacted] VA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168216 [Redacted] [Redacted] 6124226 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosed 12 month Homeowner’s Insurance Premium of $507.00 should be $1,014.00 @ $84.50 per month.           2 B [Redacted] VA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203168216 [Redacted] [Redacted] 6124312 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure discloses a $98.67 Lender cure credit for $98.67 Transfer Tax tolerance. Final Closing Disclosure does not disclose a Lender cure credit for $175.00 tolerance.   Reviewer Comment (2018-04-12): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/12/2018     1 A [Redacted] VA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203168216 [Redacted] [Redacted] 6124314 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,098.67 exceeds tolerance of $1,000.00.  Insufficient or no cure was provided to the borrower. (8304) Final Closing Disclosure discloses a $98.67 Lender cure credit for $98.67 Transfer Tax tolerance   Reviewer Comment (2018-04-12): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/12/2018     1 A [Redacted] VA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203168216 [Redacted] [Redacted] 6124324 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] VA Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203168216 [Redacted] [Redacted] 6128305 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Search.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $175.00 Title - Title Search Fee paid to [Redacted] not disclosed on Loan Estimate dated 2/21/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure discloses a $98.67 Lender cure credit for $98.67 Transfer Tax tolerance. Final Closing Disclosure does not disclose a Lender cure credit for $175.00 tolerance.   Reviewer Comment (2018-04-12): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 04/12/2018     1 A [Redacted] VA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203168216 [Redacted] [Redacted] 6133106 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of $xxx,xxx.xx is greater than Guideline total cash-out of $200,000.00. $xxx,xxx.xx > $200,000.00 cash-out Portfolio Select Bank Statement 80% LTV Primary Residence program.  Exception not acknowledged by Lender. DTI, reserves, residual income Reviewer Comment (2018-04-12): Rec'd exception for cash out exceeds max allowed by program.
     04/12/2018 2 B [Redacted] VA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168216 [Redacted] [Redacted] 6133119 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 638 is less than Guideline representative FICO score of 660. 638 < 660 Portfolio Select Bank Statement 80% LTV Primary Residence program.  Exception not acknowledged by Lender. DTI, reserves, residual income Reviewer Comment (2018-04-12): Rec'd exception for credit score < program requirements.
     04/12/2018 2 B [Redacted] VA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168216 [Redacted] [Redacted] 6133397 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.08 is less than Guideline PITIA months reserves of 6.00. 5.08 months < 6 months Portfolio Select Bank Statement program.  C/O proceeds from transaction cannot be used towards reserve requirement under Bank Statement program DTI, reserves, residual income Reviewer Comment (2018-04-12): Rec'd exception allowing use of cash out for reserves.
     04/12/2018 2 B [Redacted] VA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203168216 [Redacted] [Redacted] 6177013 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,098.67 exceeds tolerance of $1,000.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)         04/12/2018   1 A [Redacted] VA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B C B C A Non QM Non QM Yes
203172126 [Redacted] [Redacted] 6138153 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] TX Primary Purchase   C A A A A A C A Non QM Non QM No
203185746 [Redacted] [Redacted] 6217498 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) # of months of prepaid taxes not provided on Final CD   Reviewer Comment (2018-05-08): This was not corrected on the post close  CD provided on 5/8/18.  Exception remains.
       2 B [Redacted] WA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203185746 [Redacted] [Redacted] 6217501 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $48.29   Reviewer Comment (2018-05-08): Client provided attestation that the Attorney's Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/08/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203185746 [Redacted] [Redacted] 6221658 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/409827) Lender incorrectly escrowed using 2017 tax amount ($3,891.68) instead of 2018 ($4,315.16)   Reviewer Comment (2018-05-08): A post close CD, letter of explanation, revised first payment letter, corrected initial escrow account disclosure and evidence of delivery have been provided.
   05/08/2018   2 B [Redacted] WA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203185746 [Redacted] [Redacted] 6221659 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/409828) Lender incorrectly escrowed using 2017 tax amount ($3,891.68) instead of 2018 ($4,315.16)   Reviewer Comment (2018-05-08): A post close CD, letter of explanation, revised first payment letter, corrected initial escrow account disclosure and evidence of delivery have been provided.
   05/08/2018   2 B [Redacted] WA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203185746 [Redacted] [Redacted] 6221660 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/409829) Lender incorrectly escrowed using 2017 tax amount ($3,891.68) instead of 2018 ($4,315.16)   Reviewer Comment (2018-05-08): A post close CD, letter of explanation, revised first payment letter, corrected initial escrow account disclosure and evidence of delivery have been provided.
   05/08/2018   2 B [Redacted] WA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203185746 [Redacted] [Redacted] 6221661 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/409830) Lender incorrectly escrowed using 2017 tax amount ($3,891.68) instead of 2018 ($4,315.16)   Reviewer Comment (2018-05-08): A post close CD, letter of explanation, revised first payment letter, corrected initial escrow account disclosure and evidence of delivery have been provided.
   05/08/2018   2 B [Redacted] WA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203185746 [Redacted] [Redacted] 6221662 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/409827) Lender incorrectly escrowed using 2017 tax amount ($3,891.68) instead of 2018 ($4,315.16)   Reviewer Comment (2018-05-08): A post close CD, letter of explanation, revised first payment letter, corrected initial escrow account disclosure and evidence of delivery have been provided.
   05/08/2018   2 B [Redacted] WA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203185746 [Redacted] [Redacted] 6221693 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-25): Received CDA within 10% tolerance
 04/25/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203185746 [Redacted] [Redacted] 6262838 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.03685% exceeds Guideline total debt ratio of 45.00000%. Lender qualified borrower using income of $7,882 per month.  Review income = $6,916.72 per month.  An unsourced $20,000 deposit 11/22/17 was not included as income. 719 representative FICO score > 660 guideline minimum - 59 points above guideline minimum

Borrower on this Business Bank Statement  documentation loan has a disposable income of 3,732.48.		 Reviewer Comment (2018-05-08): Client has elected to waive requirement for DTI not to exceed 45%.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:  Residual Income; credit score, minimal housing payment shock.
     05/08/2018 2 B [Redacted] WA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203185746 [Redacted] [Redacted] 6263010 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-05-08): Client has elected to waive requirement for DTI not to exceed 45%.  Credit Risk Summary & Exception Approval has been provided.  Comp factors: Minimal payment shock; credit score;residual income.
 05/08/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203185746 [Redacted] [Redacted] 6263011 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-05-08): Client has elected to waive requirement for DTI not to exceed 45%.  Credit Risk Summary & Exception Approval has been provided.  Comp factors: Minimal payment shock; credit score;residual income.
 05/08/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203185746 [Redacted] [Redacted] 6263012 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fees.  Fee Amount of $48.29 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219) While title fees on the LE were disclosed as shoppable, the new Title – Attorney’s Fees in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-05-08): Client provided attestation that the Attorney's Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/08/2018     1 A [Redacted] WA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203185746 [Redacted] [Redacted] 6399466 [Redacted] [Redacted] 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. A post close CD, letter of explanation, revised first payment letter, corrected initial escrow account disclosure and evidence of delivery have been provided.  Cash to/from borrower has changed since the final CD signed at closing.   Please provide a final settlement statement as verification that the loan closed as per the post close documents provided.           2 B [Redacted] WA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203185971 [Redacted] [Redacted] 6191320 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203185972 [Redacted] [Redacted] 6191225 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 58.76605% exceeds Guideline total debt ratio of 50.00000%. Unable to determine why mortgage for property at [Redacted] has excluded; more than 10 principal payments remaining and no LOX in file.  Lender did not included P&I for this property either.  Including total payment per statement and gap credit report resulting in DTI > 50%.   Reviewer Comment (2018-04-26): Property at [Redacted] has less than 10 payments based on Principal Balance of $8991.82 per mortgage statement received.


Reviewer Comment (2018-04-24): Received mortgage statement, PITI included in DTI.
 04/26/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B B B C A N/A N/A No
203185972 [Redacted] [Redacted] 6191230 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B B B C A N/A N/A No
203185972 [Redacted] [Redacted] 6204649 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification File is missing third party verification of business existence within 10 calendar days of closing; required by guidelines. [Redacted] LTV < 80% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $3,605.41		 Reviewer Comment (2018-04-24): Received Credit Risk Summary & Exception Approval. Final VOE not within 10 days of closing. Ok to proceed. Compensating Factors: 1) LTV. 2) Payment Shock. 3) Residual Income.
     04/24/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B B B C A N/A N/A No
203185972 [Redacted] [Redacted] 6204845 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Borrower used vendor from SSPL and fees were not disclosed in Section B of the Final CD.           2 B [Redacted] FL Investment Refinance - Cash-out - Other Good Faith Redisclosure C B C B B B C A N/A N/A Yes
203204245 [Redacted] [Redacted] 6219589 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203204245 [Redacted] [Redacted] 6245371 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer CD discloses a higher $1,000.00 Doc fee and $650.00 Home Warranty fee amounts vs. $538.00 and $462.00 paid by Seller at closing per Seller CD.  Consumer CD discloses $85.00 + $55.20 HOA Dues and $500.00 Termite fee paid by Seller at closing not disclosed on Seller's CD.  Seller's CD discloses a $99.00 Zone Disclosure fee paid by Seller at closing that is not disclosed on Consumer's CD           2 B [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204247 [Redacted] [Redacted] 6220738 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C A A A C A C A Non QM Non QM No
203204247 [Redacted] [Redacted] 6220923 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Evidence of Guaranty Surety) Texas Constitution Section 50(a)(6):  Texas Cash-out Loan.   Evidence of Guaranty or Surety of a TX Home Equity loan in file.     Reviewer Comment (2018-05-23): Cleared based on correction of answers


Reviewer Comment (2018-04-27): Guarantee or Surety of TX Home Equity Loan not provided.


Reviewer Comment (2018-04-25): Document not provided.
 05/23/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Send the borrower a written acknowledgement that the lien is valid only against the subject property and cannot be collected against the Evidence of Guaranty Surety. C A A A C A C A Non QM Non QM Yes
203204247 [Redacted] [Redacted] 6220924 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Itemization of Points and Fees Not Provided) Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.     Reviewer Comment (2018-04-30): Received documentation showing received prior to loan closing.


Reviewer Comment (2018-04-27): No new documentation has been provided.


Reviewer Comment (2018-04-25): Letter of Acknowledgement has been provided, but the actual itemization of fees is required.  Exception remains.
 04/30/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other 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 or on terms on which the borrower and the lender or holder otherwise agree. C A A A C A C A Non QM Non QM Yes
203204247 [Redacted] [Redacted] 6220965 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 03/22/2018 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation the borrower was not given a CD change within the 3 days required.   Reviewer Comment (2018-04-27): A copy of the CD dated 3/20/18 has been provided, with evidence of delivery to the borrower.


Reviewer Comment (2018-04-25): Disclosure tracking refers to a CD sent on 3/20/18.  This CD has not been provided (and is less than three days from consummation.  Exception remains.
 04/27/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C A A A C A C A Non QM Non QM No
203204247 [Redacted] [Redacted] 6226017 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Application date is [Redacted] and borrower received document on 1/23/18   Reviewer Comment (2018-04-25): Evidence of earlier receipt has been provided.
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C A A A C A C A Non QM Non QM No
203204247 [Redacted] [Redacted] 6226018 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Application date is [Redacted] and borrower received document on 1/23/18   Reviewer Comment (2018-04-25): Evidence of earlier receipt has been provided.
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C A A A C A C A Non QM Non QM No
203204248 [Redacted] [Redacted] 6218802 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203204248 [Redacted] [Redacted] 6229437 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of  is less than Guideline PITIA months reserves of 6.00. Guidelines allow cash out to be used for reserves on primary residence refinances only.  The subject transaction is for an investment property. Borrower has job stability for 18 years as an [Redacted].

Borrower on this full documentation loan has a disposable income of $2,703.64, in excess of guideline minimum of $1,500.		 Reviewer Comment (2018-04-25): Client elects to waive exception re reserve requirement.
     04/25/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203204249 [Redacted] [Redacted] 6233981 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B A A C B C A Non QM Non QM No
203204249 [Redacted] [Redacted] 6234557 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $125   Reviewer Comment (2018-04-25): Lender provided attestation that Title - Notary Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204249 [Redacted] [Redacted] 6234560 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) While title fees on the LE were disclosed as shoppable, the new Title - Notary fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-25): Lender provided attestation that Title - Notary Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203204249 [Redacted] [Redacted] 6234752 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Alternate Table Usage TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. LE does not reflect cash from/to borrower on page 1 and closing disclosures marked yes and without seller.   Reviewer Comment (2018-04-20): Data was corrected on subsequent CDs (SFIG).
   04/20/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Good Faith Redisclosure C B A A C B C A Non QM Non QM Yes
203204250 [Redacted] [Redacted] 6227785 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client to order at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203204250 [Redacted] [Redacted] 6243350 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Missing 3rd Party VVOE within 10 days of closing   Reviewer Comment (2018-04-24): VVOE was provided, however not within 10 days, please see new exception.
 04/24/2018     1 A [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203204250 [Redacted] [Redacted] 6243674 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) ClosingDisclosureTotalInterestPercentage(138.63400) > (MathClosingDisclosureTotalInterestPercentage(136.40300) + 0.003)           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203204250 [Redacted] [Redacted] 6282900 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Missing 3rd Party VVOE within 10 days of closing   Reviewer Comment (2018-04-25): CPA within 10 business days in file


Reviewer Comment (2018-04-24): VVOE was provided, however it is not within 10 days of the note.  Exception remains.
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203204251 [Redacted] [Redacted] 6235398 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.63790% exceeds Guideline total debt ratio of 45.00000%. DTI does exceed 45% but meets the exception policy based on compensating factor of >$2500 residual income. Lender exception approved. Reserves, payment shock Reviewer Comment (2018-04-20): Exception in file for DTI exceeds guidelines.
     04/20/2018 2 B [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203204251 [Redacted] [Redacted] 6235406 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203204251 [Redacted] [Redacted] 6235545 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $19,740.00, while closing CD seller's fees total $20,140.00.           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203204251 [Redacted] [Redacted] 6240302 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Proof of consent received not provided in file.   Reviewer Comment (2018-04-24): Evidence of timely delivery was provided.
 04/24/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203204251 [Redacted] [Redacted] 6250668 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.   Reviewer Comment (2018-04-25): Received date of when VVOE was pulled, doc is in file pulled from internet


Reviewer Comment (2018-04-24): a Computer print out was provided as evidence that the VVOE was completed within 7 days, however this print out doesn't satisfy the requirement for the Verification from a disinterested 3rd party as the verification itself is not in the file.  Exception remains.
 04/25/2018     1 A [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203204253 [Redacted] [Redacted] 6268830 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Marital status of borrowers is unclear.  Borrower's 1003 reflects married.  Co-borrower's 1003 reflects unmarried.  Security Instrument reflects vesting as husband and wife.   Reviewer Comment (2018-04-26): A corrected 1003 showing co-borrower as married has been provided.
 04/26/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203204253 [Redacted] [Redacted] 6269034 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant.  Seller paid fees on Seller CD are not consistent with seller paid fees on Borrower's Final CD.  Seller's CD reflects $37,398.28 in seller paid fees.  Borrower's Final CD reflects $32,904.68 in seller paid fees.           2 B [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM Yes
203204253 [Redacted] [Redacted] 6269217 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203204254 [Redacted] [Redacted] 6258581 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-24): Appraisal effective date 3/20/18
     04/24/2018 2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM No
203204254 [Redacted] [Redacted] 6258604 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507) Final Closing Disclosure discloses a $50.00 Lender cure credit for tolerance       04/21/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203204254 [Redacted] [Redacted] 6278614 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure discloses a $50.00 Lender cure credit for Second Appraisal fee Zero Percent tolerance.   Final Closing Disclosure does not disclose a Lender cure credit for $40.00 Document Archive Fee Zero Percent tolerance.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203204254 [Redacted] [Redacted] 6278616 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Archive Fee.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7712) $40.00 fee disclosed as Title - Document Archive Fee in section C of Loan Estimates but disclosed as Document Archive Fee in Section C of Initial and Final Closing Disclosures.  Final Closing Disclosure does not disclose a Lender cure credit for $40.00 tolerance.           2 B [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B B B A A Non QM Non QM Yes
203204254 [Redacted] [Redacted] 6278768 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing verified residential (rent) pay history 1 x 30 x 12 or 2 x 30 x 24 under Platinum program. Borrower's rent current and prior residence 2+ years. Monthly rent not stated. Rent free not allowed. Lender's Credit Risk Summary & Exception Approval in file for no housing payment / rent verified.  Compensating factors: 784 Credit Score, Credit History and 12% DTI xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum

XXX representative FICO score > XXX guideline minimum - XX points above guideline minimum		 Reviewer Comment (2018-04-24): Lender's Credit Risk Summary & Exception Approval in file for no housing payment / rent verified.  Compensating factors: 784 Credit Score, Credit History and 12% DTI
     04/24/2018 2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM No
203204254 [Redacted] [Redacted] 6278899 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue:  Housing payment increase is excessive and/or greater than that allowed per credit guidelines   250% maximum payment shock for FTHB under Platinum program waived by Lender.  Missing verified residential (rent) pay history 1 x 30 x 12 or 2 x 30 x 24 under Platinum program. Borrower's rent current and prior residence 2+ years. Monthly rent not stated. Rent free not allowed. Lender's Credit Risk Summary & Exception Approval in file for no housing payment / rent verified.  Compensating factors: 784 Credit Score, Credit History and 12% DTI xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum

XXX representative FICO score > XXX guideline minimum - XX points above guideline minimum		 Reviewer Comment (2018-04-24): Lender's Credit Risk Summary & Exception Approval in file for no housing payment / rent verified.  Compensating factors: 784 Credit Score, Credit History and 12% DTI
     04/24/2018 2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM No
203204254 [Redacted] [Redacted] 6279127 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower. (7507) Final Closing Disclosure discloses a $50.00 Lender cure credit for tolerance           2 B [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B B B A A Non QM Non QM Yes
203204255 [Redacted] [Redacted] 6215889 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance


Reviewer Comment (2018-05-11): A copy of the final settlement statement has been provided.  Fees and cash to/from the borrower have changed since the final CD signed at closing.  A post close CD matching the settlement statement is required along with a letter or explanation to the borrower, evidence of delivery and any applicable refund to the borrower.
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203204255 [Redacted] [Redacted] 6216083 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 4           2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204255 [Redacted] [Redacted] 6216086 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Pad fee that was not allocated to a specific cost or service performed. (Final/xx/xx/xxxx) Refundable Escrow Pad Fee not allowed   Reviewer Comment (2018-05-21): Rec’d LOE, corrected CD and evidence of emailing.


Reviewer Comment (2018-05-16): Rec'd LOE, evidence of emailing, and final settlement statement from closing agent.  Missing corrected CD.
   05/21/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204255 [Redacted] [Redacted] 6245172 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing VOM for [REDACTED] Stable employment history, reserves. Reviewer Comment (2018-05-21): Rec'd exception for missing one month payment for newly purchased property.
     05/21/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203204256 [Redacted] [Redacted] 6225614 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 Appraisal shows no damage. Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-30): Appraisal completed 2 months after start date of FEMA showing no damange; FEMA has not set an end date


Reviewer Comment (2018-04-25): A post disaster inspection report dated 4/24/18 has been provided which indicates there has been no damage to the property.  Unable to clear as there is no declared end date.
     04/30/2018 2 B [Redacted] CA Primary Purchase   C B B B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203204256 [Redacted] [Redacted] 6225635 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B B B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
203204256 [Redacted] [Redacted] 6225934 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/xx/xx/xxxx) Final Closing Disclosure provided on x/xx shows a Finance Charge in the amount of $558883.06, calculated finance change is $559033.06 for a $150.00 variance   Reviewer Comment (2018-05-17): Updated the input of RE Admin fee


Reviewer Comment (2018-05-17): No admin fee was input


Buyer Comment (2018-05-08): There is a n extra admin fee that put us over by $50.  Please review and advise.  Thank you
 05/17/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B B B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203204256 [Redacted] [Redacted] 6226672 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller CD is showing the closing costs of $63,533.76; whereas the borrower final CD is showing the seller closing costs of $64,036.76.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203204256 [Redacted] [Redacted] 6226677 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). QM Designation listing Safe Harbor QM.   Reviewer Comment (2018-04-29): Updated per original data tape
 04/29/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C B B B C B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
203204257 [Redacted] [Redacted] 6230942 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Primary Purchase   C B C B B B C A Non QM Non QM No
203204257 [Redacted] [Redacted] 6231108 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.52580% or Final Disclosure APR of 7.54600% is in excess of allowable threshold of APOR 4.20% + 1.5%, or 5.70000%.  Compliant Rate Spread Home Loan. HPML loan due to APR of 7.546% exceeds the allowable threshold APOR + 1.5%.           2 B [Redacted] NC Primary Purchase   C B C B B B C A Non QM Non QM No
203204257 [Redacted] [Redacted] 6231109 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $1310.00, while closing CD seller's fees total $1185.00.           2 B [Redacted] NC Primary Purchase   C B C B B B C A Non QM Non QM Yes
203204257 [Redacted] [Redacted] 6236610 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   Explanation for NSF fees on February 2017 bank statement not evident.   Reviewer Comment (2018-04-25): LOE for NSF charges has been provided.
 04/25/2018     1 A [Redacted] NC Primary Purchase   C B C B B B C A Non QM Non QM No
203204257 [Redacted] [Redacted] 6251182 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. Single Family Detached 11.64 acres > max 10 allowed per guidelines. 693 representative FICO score > 620 guideline minimum - 73 points above guideline minimum

Borrower on this full documentation loan has a disposable income of $5,417.67.		 Reviewer Comment (2018-04-25): Client elects to waive exception for excess acreage.
     04/25/2018 2 B [Redacted] NC Primary Purchase   C B C B B B C A Non QM Non QM No
203204258 [Redacted] [Redacted] 6236915 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203204258 [Redacted] [Redacted] 6239598 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] $9   Reviewer Comment (2018-04-25): Lender provided attestation that title - policy guarantee fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203204258 [Redacted] [Redacted] 6241952 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) While title fees on the LE were disclosed as shoppable, the new Title - Title Guaranty Fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-25): Lender provided attestation that title - policy guarantee fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203204258 [Redacted] [Redacted] 6242131 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] VVOE - Employment Only Prior VVOE was not provided to confirm 2 year employment history Borrower on this (Full Documentation Type) documentation loan has a disposable income of $4288.87
Guideline is $1500.00

LTV, reserves

LTV is 70%, which is less than guideline maximum of 75%.

15.1 months reserves > 6 months guideline minimum - borrowers have verified reserves of $60,540.52		 Reviewer Comment (2018-04-25): Client elects to waive requirement for verification of two year employment history.
     04/25/2018 2 B [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203204258 [Redacted] [Redacted] 6252612 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.33698% exceeds Guideline total debt ratio of 45.00000%. Exception in file. LTV, reserves Reviewer Comment (2018-04-20): Exception in file for DTI > maximum allowed
     04/20/2018 2 B [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203204259 [Redacted] [Redacted] 6231441 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203204259 [Redacted] [Redacted] 6252093 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. Not signed by Lender   Reviewer Comment (2018-04-25): Fully executed Acknowledgement of FMV has been provided.
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B A A C B C A Non QM Non QM Yes
203204259 [Redacted] [Redacted] 6252094 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $4.50 + $64.04   Reviewer Comment (2018-04-25): Lender provided attestation that tax certificate fee and policy guaranty fee were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204259 [Redacted] [Redacted] 6252095 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $64.04 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-25): Lender provided attestation that tax certificate fee and policy guaranty fee were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203204259 [Redacted] [Redacted] 6252096 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-25): Lender provided attestation that tax certificate fee and policy guaranty fee were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203204259 [Redacted] [Redacted] 6262927 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Loan Not Closed At Office of Lender, Attorney, or Title Company) Texas Constitution Section 50(a)(6):  Unable to determine if loan was closed an an authorized location due to missing documentation.             2 B [Redacted] TX Primary Refinance - Cash-out - Other 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 or on terms on which the borrower and the lender or holder otherwise agree. C B A A C B C A Non QM Non QM No
203204260 [Redacted] [Redacted] 6233852 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-25): Evidence of borrower's consent to receive documents electronically has been provided.
 04/25/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203204260 [Redacted] [Redacted] 6233870 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Capital Contributions.  Fee Amount of $749.72 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $749.72 HOA Capital Contribution not disclosed on Loan Estimate dated 3/8/2018.  Fee type usually disclosed in Section H is disclosed in Section B of Final Closing Disclosure and included in Zero Percent Tolerance test. Final Closing Disclosure does not disclose a Lender cure credit for tolerance.   Reviewer Comment (2018-04-25): A post close CD, copy of the letter of explanation to the borrower and evidence of delivery have been provided.  HOA fees correctly disclosed in Section H, and not subject to zero percent tolerance testing.
   04/25/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204260 [Redacted] [Redacted] 6233871 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Dues.  Fee Amount of $374.86 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77121) 374.86 HOA Dues not disclosed on Loan Estimate dated 3/8/2018.  Fee type usually disclosed in Section H is disclosed in Section B of Final Closing Disclosure and included in Zero Percent Tolerance test. Final Closing Disclosure does not disclose a Lender cure credit for tolerance.   Reviewer Comment (2018-04-25): A post close CD, copy of the letter or explanation to the borrower and evidence of delivery have been provided.  HOA fees correctly disclosed in Section H, and not subject to zero percent tolerance testing.
   04/25/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204260 [Redacted] [Redacted] 6233872 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77122) $150.00 HOA Dues not disclosed on Loan Estimate dated 3/8/2018.  Fee type usually disclosed in Section H is disclosed in Section B of Final Closing Disclosure and included in Zero Percent Tolerance test. Final Closing Disclosure does not disclose a Lender cure credit for tolerance.   Reviewer Comment (2018-04-25): A post close CD, copy of the letter or explanation to the borrower and evidence of delivery have been provided.  HOA fees correctly disclosed in Section H, and not subject to zero percent tolerance testing.
   04/25/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204260 [Redacted] [Redacted] 6233874 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Transfer.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77123) $200.00 HOA Transfer fee not disclosed on Loan Estimate dated 3/8/2018.  Fee type usually disclosed in Section H is disclosed in Section B of Final Closing Disclosure and included in Zero Percent Tolerance test. Final Closing Disclosure does not disclose a Lender cure credit for tolerance.   Reviewer Comment (2018-04-25): A post close CD, copy of the letter or explanation to the borrower and evidence of delivery have been provided.  HOA fees correctly disclosed in Section H, and not subject to zero percent tolerance testing.
   04/25/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204260 [Redacted] [Redacted] 6233894 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203204260 [Redacted] [Redacted] 6236378 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 132.86200% > Calculated TIP 128.45000%.           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204260 [Redacted] [Redacted] 6259595 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for $1,474.58 total Zero Percent tolerance.   Reviewer Comment (2018-04-25): A post close CD, copy of the letter or explanation to the borrower and evidence of delivery have been provided.  HOA fees correctly disclosed in Section H, and not subject to zero percent tolerance testing.
   04/25/2018   2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204260 [Redacted] [Redacted] 6262936 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Within 10 days of closing Borrower housing payment decreasing by $68.57.

27.02% DTI on this full documentation loan < 45% guideline max - 17.98% below program guideline maximum

Borrower on this full documentation loan has a disposable income of $5,473.77.		 Reviewer Comment (2018-04-25): Client elects to waive requirement for VVOE within 10 days of closing.
     04/25/2018 2 B [Redacted] GA Primary Purchase   C B C B C B C A Non QM Non QM No
203204261 [Redacted] [Redacted] 6238149 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.19 is less than Guideline PITIA months reserves of 6.00. It appears lender did not use most recent [REDACTED] stmt when calculating reserves.  Most recent statement is dated 3/22/18 and reflects ($6.30) after subtracting $110,000 gift funds. 32.35% DTI on this full documentation loan < 45% guideline max - 12.65% below program guideline maximum

Borrower on this full documentation loan has a disposable income of $5,092.48

Housing payment shock is less than 12%.		 Reviewer Comment (2018-04-25): Client elects to waive exception regarding number of months reserves.
     04/25/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203204261 [Redacted] [Redacted] 6238241 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: Down Payment % from Borrower Own Fund. Calculated Down Payment % of Borrower Own Funds of  is less than Guideline Down Payment % of Borrower Own Funds of 10.00%. Minimum borrower contribution of 10% is required when utilizing gift funds.  All funds verified for down payment are gift funds including the earnest money deposit of $15,000.   Reviewer Comment (2018-05-01): LTV 66.1% Matrix and g/l address max for 80%
 05/01/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203204261 [Redacted] [Redacted] 6238391 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   Conditions for reserves and borrowers own funds contribution into the transaction has not been met.   Reviewer Comment (2018-05-01): LTV 66.1% Matrix and g/l address max for 80%
 05/01/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203204261 [Redacted] [Redacted] 6239570 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final CD does not reflect an amount by which the total closing costs exceeded the legal limit.   Reviewer Comment (2018-04-25): Lender provided an attestation re title fees a requirement of the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203204261 [Redacted] [Redacted] 6239572 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) Fee is not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-04-25): Lender provided an attestation re title fees a requirement of the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203204261 [Redacted] [Redacted] 6239612 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203204261 [Redacted] [Redacted] 6240559 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77183) Fee not disclosed on LE.  No valid change of circumstance nor cure provided.   Reviewer Comment (2018-04-25): Lender provided an attestation re title fees a requirement of the vendor selected by the borrower.  No zero percent tolerance violation exists.
 04/25/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203204263 [Redacted] [Redacted] 6246832 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] UT Primary Purchase   C A C A A A C A Non QM Non QM No
203204263 [Redacted] [Redacted] 6258068 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   The borrower's credit report reflects a mortgage to [REDACTED].  A letter of explanation in file states he owns no real estate, having sold the property to another party.  The borrower is still obligated on the mortgage.  To omit the debt from qualifying, per guidelines, provide evidence that the last 6 months payments have been satisfactorily paid by another party.  DTI subject to change.   Reviewer Comment (2018-04-25): Evidence of payoff of Ocwen mortgage has been provided.


Buyer Comment (2018-04-25): See the attached documents on Ocwen. The loan was paid off.
 04/25/2018     1 A [Redacted] UT Primary Purchase   C A C A A A C A Non QM Non QM No
203204264 [Redacted] [Redacted] 6255294 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Flood cert is not located in the file.   Reviewer Comment (2018-04-30): A flood cert has been provided.
 04/30/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203204264 [Redacted] [Redacted] 6255301 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Purchase Agreement / Sales Contract not provided   Purchase contract and/or addendum is not located in the file   Reviewer Comment (2018-04-30): A copy of the purchase contract has been provided.
 04/30/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203204264 [Redacted] [Redacted] 6255607 [Redacted] [Redacted] 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 IRMA
Disaster Declaration Date: [Redacted]
Disaster End Date: [Redacted]		 Post disaster inspection report is not provided   Reviewer Comment (2018-04-30): A post disaster inspection report dated 4/29/18 has been provided.
 04/30/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203204264 [Redacted] [Redacted] 6255615 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203204264 [Redacted] [Redacted] 6255618 [Redacted] [Redacted] Credit Credit Credit Documentation Purchase contract date not provided.   Purchase contract is not provided   Reviewer Comment (2018-04-30): A copy of the purchase contract has been provided.
 04/30/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203204264 [Redacted] [Redacted] 6256172 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. No documents in file to determine the date of e-sign consent was signed   Reviewer Comment (2018-04-30): Evidence of consent has been provided.
 04/30/2018     1 A [Redacted] FL Primary Purchase No Defined Cure D B D A C B C A Non QM Non QM No
203204264 [Redacted] [Redacted] 6256174 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Confirmed   Reviewer Comment (2018-05-10): A post close CD with HOA fees disclosed correctly in Section H, a letter of explanation to the borrowers and evidence of delivery have been provided. No zero percent tolerance violation exists.
   05/10/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A C B C A Non QM Non QM Yes
203204264 [Redacted] [Redacted] 6256175 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Confirmed with the date   Reviewer Comment (2018-04-30): Evidence of borrower's receipt of the CD dated xx/xx/xxxx has been provided.
 04/30/2018     1 A [Redacted] FL Primary Purchase No Defined Cure D B D A C B C A Non QM Non QM No
203204264 [Redacted] [Redacted] 6256176 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Hoa Dues.  Fee Amount of $140.75 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) Confirmed   Reviewer Comment (2018-05-10): A post close CD with HOA fees disclosed correctly in Section H, a letter of explanation to the borrowers and evidence of delivery have been provided.


Reviewer Comment (2018-05-09): The CD provided is dated prior to the final CD; a post close CD is required to correct compliance violations found on the final CD signed at closing.


Reviewer Comment (2018-04-30): A post close CD must show the actual date issued and must be accompanied by a letter of explanation to the borrower and evidence of delivery.  All HOA fees should be disclosed in Section H of the CD.


Buyer Comment (2018-04-30): Please see revised cd
   05/10/2018   2 B [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D A C B C A Non QM Non QM Yes
203204264 [Redacted] [Redacted] 6256177 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Hoa Transfer.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77121) Confirmed with final CD entry   Reviewer Comment (2018-05-10): A post close CD with HOA fees disclosed correctly in Section H, a letter of explanation to the borrowers and evidence of delivery have been provided.


Reviewer Comment (2018-05-09): The CD provided is dated prior to the final CD; a post close CD is required to correct compliance violations found on the final CD signed at closing.


Reviewer Comment (2018-04-30): A post close CD must show the actual date issued and must be accompanied by a letter of explanation to the borrower and evidence of delivery.  All HOA fees should be disclosed in Section H of the CD.


Buyer Comment (2018-04-30): please see revised cd
   05/10/2018   2 B [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D A C B C A Non QM Non QM Yes
203204264 [Redacted] [Redacted] 6261644 [Redacted] [Redacted] Credit Missing Document General Missing Document: Stated Value not provided   Appraisal is missing from the file.  Used stated value from Final 1008.   Reviewer Comment (2018-04-30): A copy of the appraisal has been provided.
 04/30/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203204266 [Redacted] [Redacted] 6229819 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.07 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval form reflects exception made for reserves not meeting requirement. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-19): Credit Risk Summary & Exception approval p380
     04/19/2018 2 B [Redacted] GA Primary Purchase   C B C B C B A A Non QM Non QM No
203204266 [Redacted] [Redacted] 6230144 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final CD reflects no dollar amount by which total closing costs exceeded the legal limit.           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203204266 [Redacted] [Redacted] 6230145 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-1,602.00. (9300) Initial LE issued on xx/xx/xxxx reflects a lender credit of ($1,602).  Revised LE issued on 3/4/18 reflects no lender credit and Final CD reflects no lender credit.  Change circumstance dated 3/1/18 reflects only loan amount change and does not provide valid reason for removing lender credit.   Reviewer Comment (2018-05-04): A post close CD, letter of explanation to the borrower, copy of the refund check for $1,602 and evidence of delivery have been provided.
   05/04/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Non QM Non QM Yes
203204266 [Redacted] [Redacted] 6230791 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 682 is less than Guideline representative FICO score of 700. Bank statement matrix dated 1/8/18 reflects minimum middle score of 700 for 90% LTV. 34.41% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $5,663.13		 Reviewer Comment (2018-04-25): Received Credit Risk Summary & Exception Approval. Credit Score < program requirements. Compensating Factors: 1) DTI. 2) Payment Shock. 3) Residual Income.


Buyer Comment (2018-04-20): Third party VOE pulled xx/xx/xxxx  within 10 days of closing.
     04/25/2018 2 B [Redacted] GA Primary Purchase   C B C B C B A A Non QM Non QM No
203204266 [Redacted] [Redacted] 6244132 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] VVOE - Employment Only Within 10 days of closing Guideline variance approved by lender at time of origination.

34.41% DTI on this Bank Statement documentation loan < 45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $5,663.13		 Reviewer Comment (2018-04-30): Client has elected to waive requirement that VVOE be completed within 10 days of closing


Reviewer Comment (2018-04-30): A verbal VOE for the co-borrower has been provided; however, it is dated 4/30/18, which is not within 10 days of closing.


Reviewer Comment (2018-04-25): Need Vvoe for Coborrower


Buyer Comment (2018-04-20): Third party VOE pulled xx/xx/xxxx  within 10 days of closing.
     04/30/2018 2 B [Redacted] GA Primary Purchase   C B C B C B A A Non QM Non QM No
203204267 [Redacted] [Redacted] 6248862 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 End date was not provided Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-26): Comment is received PDI with no damage but FEMA has no end date


Reviewer Comment (2018-04-26): A Post Disaster Inspection Report dated 4/22/18 has been provided.  Unable to clear as there is not a declared end date.
     04/26/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B B B C B C A Safe Harbor QM Safe Harbor QM No
203204267 [Redacted] [Redacted] 6248895 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B B B C B C A Safe Harbor QM Safe Harbor QM No
203204267 [Redacted] [Redacted] 6249147 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.     Reviewer Comment (2018-04-25): Evidence the ARM disclosure was provided within three days of application has been provided.
 04/25/2018     1 A [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C B B B C B C A Safe Harbor QM Safe Harbor QM No
203204267 [Redacted] [Redacted] 6249180 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final CD, Section F, Line 5, number of months was not disclosed.           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B B B C B C A Safe Harbor QM Safe Harbor QM Yes
203204268 [Redacted] [Redacted] 6260591 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $612,500 shortfall.   Reviewer Comment (2018-04-25): Insurer's Estimate of Replacement Cost has been provided.  Coverage is sufficient.
 04/25/2018     1 A [Redacted] CA Second Home Refinance - Rate/Term   C B C B A A A A Safe Harbor QM Safe Harbor QM No
203204268 [Redacted] [Redacted] 6261458 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-23): Inspection date 2/14/18
     04/23/2018 2 B [Redacted] CA Second Home Refinance - Rate/Term   C B C B A A A A Safe Harbor QM Safe Harbor QM No
203204269 [Redacted] [Redacted] 6237850 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203204269 [Redacted] [Redacted] 6238044 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Documentation not provided   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203204269 [Redacted] [Redacted] 6238045 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $4.50   Reviewer Comment (2018-04-23): Received attestation letter
 04/23/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204269 [Redacted] [Redacted] 6238046 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $4,119.30, while closing CD seller's fees total $9,360.30.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204269 [Redacted] [Redacted] 6253638 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Governmental Surcharge.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219) While title fees on the LE were disclosed as shoppable, the new Title - Governmental Surcharge fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-23): Received attestation letter
 04/23/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203204270 [Redacted] [Redacted] 6251068 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-04-26): Received
 04/26/2018     1 A [Redacted] NC Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204270 [Redacted] [Redacted] 6252155 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA
 05/12/2018     1 A [Redacted] NC Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204270 [Redacted] [Redacted] 6252595 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Alternate Table Usage TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Binding LE does not reflect calculating cash to close, however, Final CD does reflect the calculating cash to close.   Reviewer Comment (2018-04-23): Data was corrected on subsequent CDs (SFIG).
   04/23/2018   2 B [Redacted] NC Primary Refinance - Rate/Term Good Faith Redisclosure C B C B C B C A Non QM Non QM Yes
203204270 [Redacted] [Redacted] 6252596 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $450   Reviewer Comment (2018-04-27): Lender provided attestation that title attorney and notary fees were required by the vendor selected by the borrowers.  No zero percent tolerance violation exists.
 04/27/2018     1 A [Redacted] NC Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204270 [Redacted] [Redacted] 6264667 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.  The most recent printouts in file are dated 3/12/18.  The loan closed xx/xx/xxxx. 29% DTI on this Full documentation loan <43% guideline max

[Redacted] LTV		 Reviewer Comment (2018-04-26): Received Credit Risk Summary & Exception approval 4/26/18
     04/26/2018 2 B [Redacted] NC Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204270 [Redacted] [Redacted] 6264842 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney Fee.  Fee Amount of $325.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219) While title fees on the LE were disclosed as shoppable, the new Title – Attorney Fee and Title – Notary Fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-27): Lender provided attestation that title attorney and notary fees were required by the vendor selected by the borrowers.  No zero percent tolerance violation exists.
 04/27/2018     1 A [Redacted] NC Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204270 [Redacted] [Redacted] 6264843 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) While title fees on the LE were disclosed as shoppable, the new Title – Attorney Fee and Title – Notary Fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-27): Lender provided attestation that title attorney and notary fees were required by the vendor selected by the borrowers.  No zero percent tolerance violation exists.
 04/27/2018     1 A [Redacted] NC Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204270 [Redacted] [Redacted] 6462950 [Redacted] [Redacted] Property Property - Appraisal Appraisal Reconciliation Desk Review value is less than Appraised value by at least 10%.   CDA is not within 10% tolerance   Reviewer Comment (2018-05-25): Received field review supporting original appraisal
 05/25/2018     1 A [Redacted] NC Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204272 [Redacted] [Redacted] 6254325 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C B C B B A C A Non QM Non QM No
203204272 [Redacted] [Redacted] 6267261 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Issue:  Insufficient tradelines per credit guidelines   1 trade line reporting for 39 months with activity in the last 12 months < 2 trade lines reporting for 24+ months with activity in last 12 months. 12 - 24 canceled rent checks may be used for a trade line but not in file.  Missing exception approval by Lender to use 34 month rental history per Supplement to Credit Report (p 48) in lieu of cancelled rent checks. Borrower has stable employment history with 2.22 years as a [Redacted].

33.05% DTI on this full documentation loan < 45% guideline max - 11.95% below program guideline maximum		 Reviewer Comment (2018-04-26): Client elects to waive tradeline requirement.
     04/26/2018 2 B [Redacted] GA Primary Purchase   C B C B B A C A Non QM Non QM No
203204272 [Redacted] [Redacted] 6267389 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.36 is less than Guideline PITIA months reserves of 6.00. 4.36 months ($8,302.67) < 6 months ($11,430.96) Portfolio Select program.  Lender's 3 months calculation < 6 months.  Missing exception approval by Lender. Borrower has stable employment history with 2.22 years as a [Redacted].

33.05% DTI on this full documentation loan < 45% guideline max - 11.95% below program guideline maximum		 Reviewer Comment (2018-04-26): Client elects to waive guideline regarding the number of months of reserves required.
     04/26/2018 2 B [Redacted] GA Primary Purchase   C B C B B A C A Non QM Non QM No
203204272 [Redacted] [Redacted] 6267515 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-26): Evidence o consent has been provided.
 04/26/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203204273 [Redacted] [Redacted] 6260087 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] AZ Primary Purchase   C A A A A A C A Non QM Non QM No
203204274 [Redacted] [Redacted] 6247518 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided onxx/xx/xxxx incorrectly disclosed whether the loan contains a Demand Feature. (Final/xx/xx/xxxx) Final Closing Disclosure did not disclose whether the loan contains a Demand Feature.           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Higher Priced QM Higher Priced QM Yes
203204275 [Redacted] [Redacted] 6230070 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.26 is less than Guideline PITIA months reserves of 6.00. 3.26 months ($23,539.55) < 6 months ($43,367.04) Portfolio Select Bank Statement program.  Lender's 1 month calculation < 6 months.   Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit Score, Credit History and $16,704.74 Residual Income. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-20): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit Score, Credit History and $16,704.74 Residual Income.
     04/20/2018 2 B [Redacted] NJ Primary Purchase   C B C B B B C B Non QM Non QM No
203204275 [Redacted] [Redacted] 6230110 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NJ Primary Purchase   C B C B B B C B Non QM Non QM No
203204275 [Redacted] [Redacted] 6238559 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 140.36400% > Calculated TIP 138.12500%.           2 B [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C B Non QM Non QM Yes
203204275 [Redacted] [Redacted] 6252605 [Redacted] [Redacted] Property Property - Appraisal General Appraisal Requirements Valuation Error: Desk review value not provided.   Missing secondary appraisal product required at $xxx,xxx.xx loan amount Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-20): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: Credit Score, Credit History and $16,704.74 Residual Income.
     04/20/2018 2 B [Redacted] NJ Primary Purchase   C B C B B B C B Non QM Non QM No
203204276 [Redacted] [Redacted] 6264989 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Refinance - Rate/Term   C B A A B B C A Non QM Non QM No
203204276 [Redacted] [Redacted] 6265209 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing e-consent           2 B [Redacted] FL Primary Refinance - Rate/Term No Defined Cure C B A A B B C A Non QM Non QM No
203204276 [Redacted] [Redacted] 6265212 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,197.25 exceeds tolerance of $2,156.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Cure provided.       04/23/2018   1 A [Redacted] FL Primary Refinance - Rate/Term Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203204277 [Redacted] [Redacted] 6228878 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203204277 [Redacted] [Redacted] 6229131 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Confirmed  State tax stamp $3926 on final CD is not disclosed on seller's CD           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204278 [Redacted] [Redacted] 6223226 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.54309% exceeds Guideline total debt ratio of 45.00000%. 48.54% > 45% Platinum program.  Lender's 48.15% DTI > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: None stated Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-22): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: None stated
     04/22/2018 2 B [Redacted] GA Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203204278 [Redacted] [Redacted] 6223230 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Refinance - Rate/Term   C B C B B B C A Non QM Non QM No
203204278 [Redacted] [Redacted] 6223312 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] GA Primary Refinance - Rate/Term No Defined Cure C B C B B B C A Non QM Non QM No
203204279 [Redacted] [Redacted] 6223167 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] PA Primary Purchase   C B A A B B C A Non QM Non QM No
203204279 [Redacted] [Redacted] 6223213 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD fees total $2,506.96, while closing CD seller's fees total $2,640.93.           2 B [Redacted] PA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204279 [Redacted] [Redacted] 6223256 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $465.00 exceeds tolerance of $425.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Appraisal fee exceeds zero tolerance by $40 and a sufficient $40 cure was provided.       04/18/2018   1 A [Redacted] PA Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203204280 [Redacted] [Redacted] 6255684 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
203204280 [Redacted] [Redacted] 6259732 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final closing disclosure is missing number of months for Property Taxes under Prepaids.           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203204280 [Redacted] [Redacted] 6259733 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/xx/xx/xxxx) Final closing disclosure reflects cash back to borrower $1,905.29  however, page 3 of closing disclosure reflects cash to borrower as $2,054304.           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203204280 [Redacted] [Redacted] 6259734 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for 10% tolerance violation $192.50 was not provided.   Reviewer Comment (2018-05-01): Sufficient cure was provided at closing.
 05/01/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203204280 [Redacted] [Redacted] 6259735 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $175.00 plus 10% or $192.50.  Insufficient or no cure was provided to the borrower. (0) $192.50 violation due to increase in Recording Fee with no valid change of circumstance.  No evidence of cure.   Reviewer Comment (2018-04-30): The file contains a change of circumstance dated 3/14/18 for the increased recording fee.
 04/30/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203204280 [Redacted] [Redacted] 6259737 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-04-23): $150 cure on final CD.
   04/23/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203204280 [Redacted] [Redacted] 6266512 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Based on Estimated Cost New of $680,700, Hazard Insurance coverage is insufficient by $54, 700.   Reviewer Comment (2018-05-03): Replacement Cost Estimate has been provided.  Coverage is sufficient.
 05/03/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C A C B C A Safe Harbor QM Safe Harbor QM No
203204280 [Redacted] [Redacted] 6267321 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 3, 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. Preliminary Title Report reflects same lender refinance and H-9 form was not used at closing.   Reviewer Comment (2018-05-01): A signed H-9 Notice of Right to Cancel has been provided.
   05/01/2018   2 B [Redacted] 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 C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203204280 [Redacted] [Redacted] 6326835 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Sufficient cure was provided at closing.       05/01/2018   1 A [Redacted] CA Primary Refinance - Rate/Term Final CD evidences Cure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203204280 [Redacted] [Redacted] 6326840 [Redacted] [Redacted] 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 [Redacted] prior to three (3) business days from transaction date of xx/xx/xxxx. Provide evidence loan funded no earlier than xx/xx/xxxx with a post close CD, final settlement statement, letter of explanation to the borrower and evidence of delivery.   Reviewer Comment (2018-05-03): Original RTC had correct dates and loan funded as it should - original RTC was on H-8 vs, H-9 - H-9 provided and cured
 05/03/2018     1 A [Redacted] 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 C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203204280 [Redacted] [Redacted] 6326841 [Redacted] [Redacted] 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). Provide evidence loan funded no earlier than xx/xx/xxxx with a post close CD, final settlement statement, letter of explanation to the borrower and evidence of delivery.   Reviewer Comment (2018-05-03): Original RTC had correct dates and loan funded as it should - original RTC was on H-8 vs, H-9 - H-9 provided and cured
 05/03/2018     1 A [Redacted] 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 C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203204281 [Redacted] [Redacted] 6264653 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Investment Purchase   C A A A     C A     No
203204282 [Redacted] [Redacted] 6254054 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 Declared end date to the FEMA Disaster issued [Redacted] is not evident. Subject property is located in FEMA Disaster area and appraisal inspection is after the Disaster issue date with no indication of damage. Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-23): Appraisal Effective date 3/16/18
     04/23/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B B B C B C A Non QM Non QM No
203204282 [Redacted] [Redacted] 6254111 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B B B C B C A Non QM Non QM No
203204282 [Redacted] [Redacted] 6254357 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 3, 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. Title Commitment reflects the loan refinance is by the same creditor however, H-9 TIL Right to Rescind Model Form was not executed.   Reviewer Comment (2018-05-23): Received signed corrected RTC


Reviewer Comment (2018-05-09): Cover letter has been provided.  Proof of delivery required.  Exception remains.


Reviewer Comment (2018-05-08): Received correct model, please provide the LOE and proof of delivery to the borrower.
   05/23/2018   2 B [Redacted] 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 C B B B C B C A Non QM Non QM Yes
203204282 [Redacted] [Redacted] 6254437 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Alternate Table Usage TILA-RESPA Integrated Disclosure – Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. Initial Loan Estimate dated 3/5/18 11:22 AM does not reflect the same alternate table.   Reviewer Comment (2018-04-23): Data was corrected on subsequent disclosures (SFIG).
   04/23/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Good Faith Redisclosure C B B B C B C A Non QM Non QM Yes
203204282 [Redacted] [Redacted] 6261283 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Final Closing Disclosure reflects closing date of xx/xx/xxxx but Consummation and signature date is xx/xx/xxxx.           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B B B C B C A Non QM Non QM Yes
203204282 [Redacted] [Redacted] 6261284 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on [Redacted] did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect the number of months collected for Property Taxes.   Reviewer Comment (2018-04-23): Cured on final CD dated xx/xx/xxxx.
   04/23/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B B B C B C A Non QM Non QM Yes
203204282 [Redacted] [Redacted] 6269753 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Title fees in Section C should be in Section B.  Borrower was given the opportunity to shop but used a provider from the SSPL.           2 B [Redacted] CA Primary Refinance - Rate/Term Good Faith Redisclosure C B B B C B C A Non QM Non QM Yes
203204284 [Redacted] [Redacted] 6214056 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Investment Purchase   C A C A     C A     No
203204284 [Redacted] [Redacted] 6221722 [Redacted] [Redacted] Credit Fix and Flip General Asset documentation supports less than three months. Financial Institution: [REDACTED] / End Date: 03/03/2018, Financial Institution: Earnest Money / End Date: 03/01/2018 Assets must be sourced and seasoned for 60 days. Assets in file are from 2/1/18-3/3/18   Reviewer Comment (2018-04-23): guidelines is 30 days
 04/23/2018     1 A [Redacted] NC Investment Purchase   C A C A     C A     No
203204285 [Redacted] [Redacted] 6218170 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C A A A A A C A Non QM Non QM No
203204286 [Redacted] [Redacted] 6227340 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Primary Purchase   C B C A B B C A Non QM Non QM No
203204286 [Redacted] [Redacted] 6228708 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on xx/xx/xxxx did not use the same fee terminology as the Loan Estimate. (Final/xx/xx/xxxx) Loan Estimate reflected Title- Attorney Fee's however, Final Closing Disclosure reflected this fee as Deed Prep, E-Recording and Escrow Fee.           2 B [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203204286 [Redacted] [Redacted] 6229236 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   Vesting on Closing Instructions reflects [REDACTED] however, Security Agreement reflects [REDACTED], an unmarried man and [REDACTED], an unmarried woman.   Reviewer Comment (2018-05-17): Commitment shows both names with and
 05/17/2018     1 A [Redacted] NC Primary Purchase   C B C A B B C A Non QM Non QM No
203204286 [Redacted] [Redacted] 6229653 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.64290% or Final Disclosure APR of 7.65200% is in excess of allowable threshold of APOR 4.35% + 1.5%, or 5.85000%.  Compliant Rate Spread Home Loan. Confirmed per the Compliance report the loan has been identified as a Higher priced mortgage.           2 B [Redacted] NC Primary Purchase   C B C A B B C A Non QM Non QM No
203204287 [Redacted] [Redacted] 6235621 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203204287 [Redacted] [Redacted] 6235935 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 9.32 is less than Guideline PITIA months reserves of 12.00. Calculated months reserve of 9.32 is less than Guideline required 12 months reserves, but meets the exception policy based on compensating factors of DTI (Max DTI is 50%) and Stable Employment History. Lender exception approved. DTI, employment history. Reviewer Comment (2018-04-21): Exception in file for reserve requirements not met.
     04/21/2018 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203204287 [Redacted] [Redacted] 6236405 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Missing guideline required internet search for listing of business name for borrower.   Reviewer Comment (2018-04-25): A copy of an internet search verifying the existence of the business has been provided.
 04/25/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203204288 [Redacted] [Redacted] 6226856 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203204288 [Redacted] [Redacted] 6233163 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.40 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval in file, page 383, Reserves requirements not met.  Compensating Factors: 1) credit score        2)Residual income residual income, credit score Reviewer Comment (2018-04-21): Exception in file for reserve requirements not met;
     04/21/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203204288 [Redacted] [Redacted] 6233744 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Demand Feature TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains a Demand Feature. (Final/xx/xx/xxxx) No boxes checked on Final CD.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204288 [Redacted] [Redacted] 6233746 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Negative Amortization TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final/xx/xx/xxxx) No boxes checked on Final CD.   Reviewer Comment (2018-04-25): A post close CD indicating no negative amortization, letter or explanation to the borrower and evidence of delivery have been provided.
   04/25/2018   2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204288 [Redacted] [Redacted] 6233747 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Partial Payments TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xx/xx/xxxx) No boxes check on Final CD.   Reviewer Comment (2018-04-25): A post close CD indicating no partial payments, letter or explanation to the borrower and evidence of delivery have been provided.
   04/25/2018   2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204288 [Redacted] [Redacted] 6237540 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $89,503.86 while closing CD seller's fees total $89,798.86.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204289 [Redacted] [Redacted] 6240953 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MS Primary Refinance - Cash-out - Other   C B C A B B C A Non QM Non QM No
203204289 [Redacted] [Redacted] 6241394 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $535.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $70.00 Lender cure credit for tolerance       04/19/2018   1 A [Redacted] MS Primary Refinance - Cash-out - Other Final CD evidences Cure C B C A B B C A Non QM Non QM Yes
203204289 [Redacted] [Redacted] 6242661 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. .   Reviewer Comment (2018-04-26): Verification that the SSPL was sent to the borrower on 03/06/2018 was provided on 04/26/2018.
 04/26/2018     1 A [Redacted] MS Primary Refinance - Cash-out - Other No Defined Cure C B C A B B C A Non QM Non QM No
203204289 [Redacted] [Redacted] 6257145 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.99 is less than Guideline PITIA months reserves of 6.00. 0.99 months < 6 months ($9,264.96) PITI reserves Platinum program.  Lender's 6 months PITI reserve calculation is not supported by asset verification in file.   Reviewer Comment (2018-04-26): 3.15 Reserves
Borrowers must meet the minimum reserve requirements, calculated by using Principal, Interest, Taxes, Insurance and if applicable Association fees as follows:
· All Transactions: Six (6) months reserves
Primary Residence only - Net proceeds from a cash-out transaction may be used to meet reserve requirements.
Gift funds may not be used as reserve requirements.
 04/26/2018     1 A [Redacted] MS Primary Refinance - Cash-out - Other   C B C A B B C A Non QM Non QM No
203204289 [Redacted] [Redacted] 6296250 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Service Provider - Compliant TILA-RESPA Integrated Disclosure: Settlement Service Provider List did not provide at least one available provider for each settlement service borrower is entitled to shop for or inform borrower they may choose different provider from list. Verification that the SSPL was sent to the borrower on 03/06/2018 was provided on 04/26/2018, however, a copy of the SSPL was not provided.  Unable to determine if SSPL is compliant.           2 B [Redacted] MS Primary Refinance - Cash-out - Other No Defined Cure C B C A B B C A Non QM Non QM No
203204290 [Redacted] [Redacted] 6235442 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation   C A A A B A C A Non QM Non QM No
203204290 [Redacted] [Redacted] 6236127 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. missing signed e-consent.   Reviewer Comment (2018-04-30): Evidence of consent has been provided.
 04/30/2018     1 A [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C A A A B A C A Non QM Non QM No
203204291 [Redacted] [Redacted] 6231779 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203204291 [Redacted] [Redacted] 6234190 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.25 is less than Guideline PITIA months reserves of 6.00. 2.25 months < 6 months Portfolio Select Bank Statement program.  Lender's 6 months PITI reserve calculation not supported by asset verification in file 40.91 DTI is less that the guideline maximum of 45%.

[Redacted] LTV < 80% guideline max -  $220,027.50 more equity than required by program guidelines

Borrower has employment stability for 20 years in the [Redacted].

Borrower on this full documentation loan has a disposable income of $5,755.13		 Reviewer Comment (2018-04-25): Client elects to waive reserve requirement.
     04/25/2018 2 B [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203204291 [Redacted] [Redacted] 6259612 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-25): Evidence of borrower's consent has been provided.
 04/25/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203204291 [Redacted] [Redacted] 6259613 [Redacted] [Redacted] Compliance Compliance State Compliance Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower. .           2 B [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203204291 [Redacted] [Redacted] 6263431 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Within 10 days of Closing 40.91 DTI is less that the guideline maximum of 45%.

[Redacted] LTV < 80% guideline max -  $220,027.50 more equity than required by program guidelines

Borrower has employment stability for 20 years in the [Redacted].

Borrower on this full documentation loan has a disposable income of $5,755.13		 Reviewer Comment (2018-04-25): Client elects to waive requirement for employment verification within three days of closing.
     04/25/2018 2 B [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6249148 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Flood Certificate is not evident.   Reviewer Comment (2018-04-26): Flood cert has been provided.
 04/26/2018     1 A [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6249149 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Purchase Agreement / Sales Contract not provided   Purchase/Sales contract is not evident.   Reviewer Comment (2018-04-26): A copy of the fully executed sales contract has been provided.
 04/26/2018     1 A [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6249172 [Redacted] [Redacted] 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 IRMA
Disaster Declaration Date: [Redacted]
Disaster End Date:  [Redacted]		 Appraisal report or last inspection completed is not evident.   Reviewer Comment (2018-04-26): A satisfactory appraisal has been provided.
 04/26/2018     1 A [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6249214 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6256536 [Redacted] [Redacted] Credit Document Error Valuation Copy of Title is missing.   Title evidence is missing.   Reviewer Comment (2018-04-26): A satisfactory title commitment has been provided.
 04/26/2018     1 A [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6256854 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Third party verification of business existence ([Redacted]) within 10 calendar days of closing was not provided. 796 representative FICO score > 640 guideline minimum - 156 points above guideline minimum

Borrower on this full documentation loan has a disposable income of $15,763.40.		 Reviewer Comment (2018-04-30): Client has elected to waive the requirement for third party verification of 7E7 Corp. within 10 days of closing.


Reviewer Comment (2018-04-26): verification of GW7 Corp has been provided.  Verification of 7E7 Corp is needed.  Exception remains.
     04/30/2018 2 B [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6256884 [Redacted] [Redacted] Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal not provided   Appraisal report is missing from file.   Reviewer Comment (2018-04-26): Satisfactory appraisal has been provided.
 04/26/2018     1 A [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6257049 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Missing Data) Number of Units Number of Units for the Primary Valuation was not provided.  Any applicable Federal, State or Local compliance testing is unreliable. Missing Appraisal   Reviewer Comment (2018-04-26): A satisfactory appraisal has been provided.
 04/26/2018     1 A [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6257050 [Redacted] [Redacted] Compliance Compliance Federal Compliance (Missing Data) Property Type Property Type for the Primary Valuation was not provided. Any applicable Federal, State or Local compliance testing is unreliable. Missing Appraisal   Reviewer Comment (2018-04-26): A satisfactory appraisal has been provided.
 04/26/2018     1 A [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204292 [Redacted] [Redacted] 6295998 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.62 is less than Guideline PITIA months reserves of 6.00. Guideline requirement for 6 months reserves not met. 796 representative FICO score > 640 guideline minimum - 156 points above guideline minimum

Borrower on this full documentation loan has a disposable income of $15,763.40.		 Reviewer Comment (2018-04-30): Client has elected to waive reserve requirement.
     04/30/2018 2 B [Redacted] FL Second Home Purchase   D B D B C A C A Non QM Non QM No
203204293 [Redacted] [Redacted] 6254426 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Second Home Purchase   C B C B A A C A Non QM Non QM No
203204293 [Redacted] [Redacted] 6265935 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.93 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary and Exception Approval form reflects exception granted for reserve requirement not met. Credit history. Reviewer Comment (2018-04-24): Exception in file for reserve requirements not met.
     04/24/2018 2 B [Redacted] FL Second Home Purchase   C B C B A A C A Non QM Non QM No
203204294 [Redacted] [Redacted] 6222146 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.48 is less than Guideline PITIA months reserves of 6.00. Exception made for reserves due to positive compensating factors of credit score and stable employment history (self employed 17 years). Credit score, stable employment history. Reviewer Comment (2018-04-19): Exception in file for 1)  Reserve requirements not met and 2)  DTI > maximum allowed.
     04/19/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203204294 [Redacted] [Redacted] 6222160 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.14262% exceeds Guideline total debt ratio of 45.00000%. Exception made to exceed 45% max DTI ratio due to positive compensating factors of credit score and stable employment history (self employed 17 yrs). Credit score, stable employment history. Reviewer Comment (2018-04-19): Exception in file for 1)  Reserve requirements not met and 2)  DTI > maximum allowed.
     04/19/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203204294 [Redacted] [Redacted] 6222195 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203204294 [Redacted] [Redacted] 6222442 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The seller's CD reflects $15,333.73 whereas the borrower's CD reflects $14,833.73.           2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM Yes
203204294 [Redacted] [Redacted] 6244564 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $8   Reviewer Comment (2018-04-25): Received Attestation letter
 04/25/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204294 [Redacted] [Redacted] 6244565 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $8.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) While title fees on the LE were disclosed as shoppable, the new Title - E-Recording fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-25): Received Attestation letter
 04/25/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204295 [Redacted] [Redacted] 6215353 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203204295 [Redacted] [Redacted] 6215355 [Redacted] [Redacted] Credit Guideline Guideline Issue Asset verification is less than 2 months verified as required by guidelines. Financial Institution: [REDACTED] / End Date: 01/31/2018 // Account Type: Checking / Account Number: xxxx     Reviewer Comment (2018-05-08): Per 2/2/18 matrix, assets must be sourced or seasoned for 30 days.


Buyer Comment (2018-05-04): Investor cash flow only requires 30 days asset
 05/08/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203204295 [Redacted] [Redacted] 6215517 [Redacted] [Redacted] Credit Credit Credit Documentation There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.       Reviewer Comment (2018-05-06): Borrower Certification of Business Purpose has been provided.
 05/06/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203204295 [Redacted] [Redacted] 6215617 [Redacted] [Redacted] Credit Investment Product General REO property does not have a lease in place and required by guidelines. Address: [REDACTED]     Reviewer Comment (2018-05-18): Per Matrix 2.2.18 - market rents can be used, unless leases can be provided, not a requirment
 05/18/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203204295 [Redacted] [Redacted] 6223518 [Redacted] [Redacted] Credit Guideline Guideline Issue Asset verification is less than 2 months verified as required by guidelines. Financial Institution: [REDACTED] / End Date: 01/31/2018 // Account Type: Funds from Business Account / Account Number: xxxx     Reviewer Comment (2018-05-17): Assets only need 30 days per Matrix 2.2.18
 05/17/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203204295 [Redacted] [Redacted] 6228964 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Issue:  Ineligible borrower   4.1.2 Ineligible Borrowers • Limited partnerships, general partners, LLCs and corporations (Title may be held in the LLC, however the loan application must be made in the individual borrower(s) name(s). Refer to Title/Ownership Interest section of this Guide for additional information. LLC must be in the business of managing rental properties only.) The LTV on this investor cash flow loan is 69%, which is less that the guideline maximum of 80%.  Borrower has $14,960 more equity in the property than is required by the program. Reviewer Comment (2018-05-18): Received exception approval showing okay to close in name of LLC
     05/18/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203204295 [Redacted] [Redacted] 6228972 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. Townhouse Square footage @ 954 < 1200 minimum required Borrower has $11,054.44 in reserves.

The LTV on this investor cash flow loan is 69%, which is less that the guideline maximum of 80%.  Borrower has $14,960 more equity in the property than is required by the program.		 Reviewer Comment (2018-05-09): Client has elected to waive the minimum property square footage requirement.  Credit Risk Summary & Exception approval provided.  Compensating factors:  Low LTV, ; excellent reserves.


Reviewer Comment (2018-05-08): Nothing uploaded.
     05/09/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203204296 [Redacted] [Redacted] 6217899 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] UT Primary Purchase   D B D A B B C A Non QM Non QM No
203204296 [Redacted] [Redacted] 6218417 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) CD total interest percentage 160.97400% > Calculated total interest percentage 158.63700%, variance of 2.337%           2 B [Redacted] UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A B B C A Non QM Non QM Yes
203204296 [Redacted] [Redacted] 6224343 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $865.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Fee exceeds zero tolerance by $135 and a sufficient $135 cure was provided.       04/18/2018   1 A [Redacted] UT Primary Purchase Final CD evidences Cure D B D A B B C A Non QM Non QM Yes
203204296 [Redacted] [Redacted] 6224405 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided   Short Sale LOX was provided and reflected on credit report however deed was not provided to confirm date.   Reviewer Comment (2018-04-26): Evidence of date of short sale has been provided.
 04/26/2018     1 A [Redacted] UT Primary Purchase   D B D A B B C A Non QM Non QM No
203204297 [Redacted] [Redacted] 6237184 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203204297 [Redacted] [Redacted] 6238022 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) The CD closing date on page 1 is 04/03/2018 and the borrowers signed the Closing documents on xx/xx/xxxx.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203204297 [Redacted] [Redacted] 6238023 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The borrowers' final CD seller paid fees (J) is $0 and the seller CD seller paid fees (J) is $36.00.           2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM Yes
203204297 [Redacted] [Redacted] 6238024 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $150.00 exceeds tolerance of $85.00.  Sufficient or excess cure was provided to the borrower at Closing. (7552) The final CD reflects a lender credit of $65.00 for the increase in closing costs above the legal limits.       04/19/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203204297 [Redacted] [Redacted] 6241575 [Redacted] [Redacted] Credit Credit Miscellaneous Missing Document: Credit Letter of Explanation (LOE) not provided   Missing signed and dated letter from the borrower to explain employment gap from 05/20/2017 through 09/10/2017. Borrower's middle credit score is 716, which is 16 points higher than the guideline minimum score of 700.

Borrower on this full documentation loan has a disposable income of $11,719.07.		 Reviewer Comment (2018-05-03): Client has elected to waive the exception for employment gap letter.  Credit Risk Summary & Exception Approval has been provided.  Comp factors:  Credit score; residual income.
     05/03/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203204298 [Redacted] [Redacted] 6266273 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] AZ Primary Purchase   C B A A B B C A Non QM Non QM No
203204298 [Redacted] [Redacted] 6272823 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.           2 B [Redacted] AZ Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203204298 [Redacted] [Redacted] 6286193 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Home Warranty in Section C should be in Section H.           2 B [Redacted] AZ Primary Purchase Good Faith Redisclosure C B A A B B C A Non QM Non QM Yes
203204303 [Redacted] [Redacted] 6232136 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   C A C A     C A     No
203204303 [Redacted] [Redacted] 6232137 [Redacted] [Redacted] Credit Credit Credit Documentation There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.       Reviewer Comment (2018-04-26): Signed Certification of Business Purpose has been provided.  Loan is a business purpose loan.


Buyer Comment (2018-04-24): Note: TD should clear BOTH exceptions
 04/26/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   C A C A     C A     No
203204303 [Redacted] [Redacted] 6232138 [Redacted] [Redacted] Credit Investment Product General REO property does not have a lease in place and required by guidelines. Address: [REDACTED]     Reviewer Comment (2018-04-26): Property was not vacant at time of closing, it was tenant occupied


Reviewer Comment (2018-04-26): Absence of a lease does not prevent determination that this is a business purpose loan; however, the lease is required by the guidelines.
 04/26/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   C A C A     C A     No
203204304 [Redacted] [Redacted] 6228794 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.49 is less than Guideline PITIA months reserves of 6.00. Reserves not met but meets the exception policy based on compensating factor of <$2500 residual income and credit score. Credit score, residual income. Reviewer Comment (2018-04-19): Exception in file for reserve requirements not met.
     04/19/2018 2 B [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203204304 [Redacted] [Redacted] 6228798 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203204304 [Redacted] [Redacted] 6228871 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $17,420.96, while closing CD seller's fees total $17,145.50.           2 B [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM Yes
203204304 [Redacted] [Redacted] 6228873 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Application dated [Redacted]  ARM disclosure in file dated by the borrowers 3/6/18.   Reviewer Comment (2018-04-25): Received tracking tool
 04/25/2018     1 A [Redacted] IL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203204304 [Redacted] [Redacted] 6245356 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   Property taxes are reflected in Section H.  Non-delinquent taxes should be in Section F, delinquent taxes should be in the Payoffs and Payments section on page 3.           2 B [Redacted] IL Primary Purchase Good Faith Redisclosure C B C B C B C A Non QM Non QM Yes
203204305 [Redacted] [Redacted] 6223871 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. eConsent not found in file   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] SC Primary Refinance - Cash-out - Other No Defined Cure B A A A B A A A Non QM Non QM No
203204306 [Redacted] [Redacted] 6218660 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.51688% exceeds Guideline total debt ratio of 45.00000%. DTI exceeds 45% but meets exception policy based on compensating factor of  borrower has $2500 in residual income and residential payment history for 24 months is 0 x 30. Credit score of 749 is greater than the required 720.

No history of late payments.

Residual income of $10,624 is greater than the required $3000		 Reviewer Comment (2018-04-19): Credit Risk Summary & Exception approval p208
     04/19/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204306 [Redacted] [Redacted] 6218695 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204306 [Redacted] [Redacted] 6219225 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. Lender's signature is not evident on the Acknowledgement.   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B C B C B C A Non QM Non QM Yes
203204306 [Redacted] [Redacted] 6224178 [Redacted] [Redacted] Credit Credit Miscellaneous Missing Document: Credit Letter of Explanation (LOE) not provided   Signed Letter of Explanation for Credit Inquiries within 90 days of the credit report date is not evident. Unsigned letter in file is from Sr. Processor and other inquiries not addressed.   Reviewer Comment (2018-04-24): Inquires on CR show as from Broker, and one account already opened.  Inquiry letter not required
 04/24/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204306 [Redacted] [Redacted] 6224222 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Agreement is not evident prior to borrower receiving and signing initial loan documents.   Reviewer Comment (2018-04-24): Received E-sign dated 3/4/18
 04/24/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203204306 [Redacted] [Redacted] 6224406 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   No evidence was provided that vesting includes "[REDACTED]" as reflected on the Security Agreement.   Reviewer Comment (2018-05-01): Name Affidavit in file.
 05/01/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204306 [Redacted] [Redacted] 6275930 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 03/02/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx) Received E-sign dated 3/4/18           2 B [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203204307 [Redacted] [Redacted] 6223215 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203204307 [Redacted] [Redacted] 6226901 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of $xxx,xxx.xx is greater than Guideline total cash-out of $500,000.00. Portfolio Select matrix dated 2/2/18 reflects max cash out of $500,000. 25.76% DTI on this full documentation loan < 45% guideline max -19.24% below program guideline maximum

Borrower on this full documentation loan has a disposable income of $20,508.66		 Reviewer Comment (2018-04-26): Client elects to waive exception for cash out  exceeding the program maximum.
     04/26/2018 2 B [Redacted] NC Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203204308 [Redacted] [Redacted] 6230001 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. Single Family Detached Square footage @ 1106 < 1200 minimum requirement Credit 0X30X60 Reviewer Comment (2018-04-23): Received Credit Risk Summary & Exception approval 4/23/18
     04/23/2018 2 B [Redacted] CO Investment Refinance - Cash-out - Other   C B C B     A A     No
203204309 [Redacted] [Redacted] 6242413 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203204309 [Redacted] [Redacted] 6267736 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.52661% exceeds Guideline total debt ratio of 45.00000%. . Credit score, LTV, reserves. Reviewer Comment (2018-04-23): Exception in file for DTI > maximum allowed.
     04/23/2018 2 B [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203204310 [Redacted] [Redacted] 6235407 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Refinance - Rate/Term   C A A A A A C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6248400 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Credit Report not provided   Missing Lender's credit report at origination.   Reviewer Comment (2018-04-27): Credit report used at origination has been provided.
 04/27/2018     1 A [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6249744 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: AUS not provided   Agency 2nd 20 Year approval   Reviewer Comment (2018-04-27): AUS Findings have been provided.
 04/27/2018     1 A [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6250324 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6250621 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] CA Primary Purchase No Defined Cure D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6250622 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien TRID Final Closing Disclosure xx/xx/xxxx on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx) Concurrent Purchase 2nd   Reviewer Comment (2018-04-27): Per closing statement, second mortgage proceeds were applied in full to the purchase, along with first mortgage proceeds.
 04/27/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A C B C A Non QM Non QM Yes
203204311 [Redacted] [Redacted] 6250906 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.             2 B [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6250916 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] P&L Statement Missing 2017 Year P&L   Reviewer Comment (2018-05-17): Not a requirement of AUS.
 05/17/2018     1 A [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6260893 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6265119 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing IRS Repayment Agreement to support max $450.00 monthly payment amount included in DTI   Reviewer Comment (2018-04-27): IRS Documentation of installment plan has been provided.
 04/27/2018     1 A [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6265314 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Missing Lender's credit report at origination.   Reviewer Comment (2018-04-27): Due Diligence designation is non QM and matches  Originator Loan Designation.
 04/27/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status D B D A C B C A Non QM Non QM Yes
203204311 [Redacted] [Redacted] 6265315 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. Missing Lender's credit report at origination.   Reviewer Comment (2018-04-27): Credit report used at origination has been provided.
 04/27/2018     1 A [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6265316 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing Lender's credit report at origination.   Reviewer Comment (2018-04-27): Due Diligence designation is non QM and matches  Originator Loan Designation.
 04/27/2018     1 A [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204311 [Redacted] [Redacted] 6265446 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing verified housing history for 1 month current, [REDACTED], and prior, [REDACTED] rented 8 years   Reviewer Comment (2018-05-17): VOR not required on AUS


Reviewer Comment (2018-05-14): A VOM for [REDACTED] has been provided.  This doesn't appear to match residence history on 1003.  Further explanation and VOR for previous rental at properties listed on 1003 is required.  Exception remains.
 05/17/2018     1 A [Redacted] CA Primary Purchase   D B D A C B C A Non QM Non QM No
203204312 [Redacted] [Redacted] 6243196 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203204313 [Redacted] [Redacted] 6257048 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. [Redacted] Seller CD not provided.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
203204313 [Redacted] [Redacted] 6269498 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Pad fee that was not allocated to a specific cost or service performed. (Final/xx/xx/xxxx) The inclusion of a pad may be a common practice in certain states to ensure sufficient funds will be available at settlement. However, the Final CD needs to reflect the actual terms of the transaction and a $300 pad is not indicative of the services performed. A corrected CD will be required to reflect the actual fees from settlement with a copy of the refund check to the consumer in the event the actual fees did not increase by more than $300.   Reviewer Comment (2018-04-30): A copy of the corrected post close CD, refund check, letter of explanation to the borrower and evidence of delivery have been provided.


Reviewer Comment (2018-04-27): A corrected post close CD eliminating the PAD Fee, letter of explanation to the borrower and evidence of delivery have been provided.  Due to a change in the disbursement date, borrower fees increased by $290.62, partially offsetting the PAD fee which was removed.  A refund of $9.38 is due to the borrower for the difference.  Provide a copy of the refund check, a letter of explanation to the borrower disclosing the reason for the changes and evidence of delivery.
   04/30/2018   2 B [Redacted] CA Primary Purchase Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B A A C B A A Non QM Non QM Yes
203204313 [Redacted] [Redacted] 6309817 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP: 128.654% differs from calculated TIP of 126.46 by more than the allowed tolerance.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
203204314 [Redacted] [Redacted] 6261056 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] WA Primary Purchase   C B A A B B C A Non QM Non QM No
203204314 [Redacted] [Redacted] 6261659 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 4, # of mos. field is blank.  $3,427.03 Property Taxes paid by Borrower at closing           2 B [Redacted] WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203204314 [Redacted] [Redacted] 6280165 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses $33,072.94 in total closing costs paid by Seller that are not disclosed on Consumer CD           2 B [Redacted] WA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204315 [Redacted] [Redacted] 6259834 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Second Home Purchase   C B C A C B C A Non QM Non QM No
203204315 [Redacted] [Redacted] 6259942 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) HOA dues shown in Section C should be in Section H.   Reviewer Comment (2018-04-26): A post close CD moving the HOA Dues from Section C to Section H has been provided, with a letter of explanation to the borrower and evidence of delivery.  No zero percent tolerance violation exists.
   04/26/2018   2 B [Redacted] FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203204315 [Redacted] [Redacted] 6259943 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Dues.  Fee Amount of $433.07 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) HOA dues shown in Section C should be in Section H.   Reviewer Comment (2018-04-26): A post close CD moving the HOA Dues from Section C to Section H has been provided, with a letter of explanation to the borrower and evidence of delivery.  No zero percent tolerance violation exists.
   04/26/2018   2 B [Redacted] FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203204315 [Redacted] [Redacted] 6273745 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Missing verification of the borrowers' primary residence HOA monthly payment of $64.   Reviewer Comment (2018-04-27): Verification of HOA Dues on borrowers' primary residence has been provided.
 04/27/2018     1 A [Redacted] FL Second Home Purchase   C B C A C B C A Non QM Non QM No
203204316 [Redacted] [Redacted] 6265841 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203204316 [Redacted] [Redacted] 6266072 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.35 is less than Guideline PITIA months reserves of 6.00. Approval reflects an exception for reserve requirements which was mitigated by the DTI, payment shock, residual income and stable employment history. DTI, payment shock, residual income, stable employment history Reviewer Comment (2018-04-25): Exception in file for reserve requirements not met.
     04/25/2018 2 B [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203204316 [Redacted] [Redacted] 6277843 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203204316 [Redacted] [Redacted] 6286974 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.  The most recent printout in file is dated 3/22/18, the loan closed x/x/xx. DTI, payment shock, residual income, stable employment history Reviewer Comment (2018-04-30): Client elects to waive and has provided Credit Risk Summary & Exception Approval.
     04/30/2018 2 B [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203204316 [Redacted] [Redacted] 6286987 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   The borrower's bank statements reflect 3 overdraft charges in the last 12 months.  Per guidelines, NSF and overdraft activity must be reviewed for acceptability.  The overdraft activity is not addressed in file.   Reviewer Comment (2018-04-30): NSF activity has been reviewed and accepted by the lender.
 04/30/2018     1 A [Redacted] TX Primary Purchase   C B C B C A C A Non QM Non QM No
203204316 [Redacted] [Redacted] 6287064 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $9   Reviewer Comment (2018-04-30): Evidence that the Title Guaranty Fee was required by the vendor selected by the borrower has been provided.
 04/30/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203204316 [Redacted] [Redacted] 6287065 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Title Guaranty Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219) While title fees on the LE were disclosed as shoppable, the new Title – Title Guaranty Fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-04-30): Lender provided Attestation that Title - Guaranty Fee was required by the vendor selected by the borrowers.
 04/30/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203204318 [Redacted] [Redacted] 6258150 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203204318 [Redacted] [Redacted] 6258156 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 40.60442% exceeds Guideline housing ratio of 40.00000%. The housing ratio does exceed 40% but meets the policy exception policy based on compensating factors of the Credit Score and the LTV. Guideline variance approved by lender at time of origination
Compensating Factors:  1) Credit Score 2) LTV		 Reviewer Comment (2018-04-25): Credit Risk Summary & Exception approval p234
     04/25/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203204318 [Redacted] [Redacted] 6258164 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 Appraisal dated [Redacted] with a physical inspection completed on [Redacted] post dates the declaration date. The appraisal confirms there isn't any property damage. Photos also confirm no property damage. Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-25): Appraisal dated [Redacted] with a physical inspection completed on [Redacted] post dates the declaration date. The appraisal confirms there isn't any property damage. Photos also confirm no property damage.
     04/25/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203204318 [Redacted] [Redacted] 6258209 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not provided           2 B [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203204319 [Redacted] [Redacted] 6264943 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203204319 [Redacted] [Redacted] 6278399 [Redacted] [Redacted] Credit Insurance Insurance Documentation Missing Document: Flood Insurance Policy not provided   Flood insurance policy not provided.   Reviewer Comment (2018-04-27): A copy of the flood insurance policy dec page has been provided.
 04/27/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203204319 [Redacted] [Redacted] 6279284 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 10.81 is less than Guideline PITIA months reserves of 12.00. Reserves < 12 month required for first time home buyer but meets the exception policy based on compensating factors of residual income > $3,000.00 and payment shock < 250% maximum. Guideline variance approved by lender at time of origination. Reserves < 12 month required for first time home buyer but meets the exception policy based on compensating factors of residual income > $3,000.00 and payment shock < 250% maximum. Reviewer Comment (2018-04-25): Exception in file for reserve requirements not met.
     04/25/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203204319 [Redacted] [Redacted] 6279367 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing borrower signed e-consent.   Reviewer Comment (2018-04-27): Evidence of borrowers' consent has been provided.
 04/27/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203204319 [Redacted] [Redacted] 6279369 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) ******************OVERRIDE**************
Both CDs reflect $59,000		   Reviewer Comment (2018-04-27): No variance exists.  Seller CD shows $59,000 plus a credit to the seller of $1,000 referred to as a "Butler Rebate," which is not a cost associated with this loan.  Hence, seller paid closing costs of $59,000 equal those shown on the buyer's CD.
 04/27/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM Yes
203204319 [Redacted] [Redacted] 6279587 [Redacted] [Redacted] Credit Assets Asset Documentation Asset Issue:  Gift funds are missing evidence of receipt   Missing copy of wire from donor to closing agent (final CD reflects $20,000 gift fund but approval and guidelines require a copy of the wire).   Reviewer Comment (2018-04-27): A copy of the wire of $20,000 has been provided.
 04/27/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203204320 [Redacted] [Redacted] 6256011 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note - Senior Lien not provided   Evidence of the Senior Lien Note is missing.   Reviewer Comment (2018-04-26): A copy of the senior lien note has been provided.
 04/26/2018     1 A [Redacted] CA Primary Purchase   D B D B C B C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No
203204320 [Redacted] [Redacted] 6257141 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   Missing Initial lender's application           2 B [Redacted] CA Primary Purchase   D B D B C B C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No
203204320 [Redacted] [Redacted] 6257304 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 FEMA has not provided an end date to the Disaster however, appraisal reflects most recent Inspection date is 2/26/18 with no damage. Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-24): Appraisal effective date 2/22/18
     04/24/2018 2 B [Redacted] CA Primary Purchase   D B D B C B C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No
203204320 [Redacted] [Redacted] 6257325 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   D B D B C B C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No
203204320 [Redacted] [Redacted] 6257388 [Redacted] [Redacted] 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. List of Homeownership Counseling Organizations is not evident.           2 B [Redacted] CA Primary Purchase   D B D B C B C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) No
203204320 [Redacted] [Redacted] 6257392 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). HPML   Reviewer Comment (2018-04-30): Received update tape


Reviewer Comment (2018-04-30): it is now Safe Harbor, but needs to actually be updated to Temporary SHQM


Reviewer Comment (2018-04-26): Document submitted 4/25/18 is illegible.  Exception remains.
 04/30/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status D B D B C B C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes
203204320 [Redacted] [Redacted] 6257393 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $18,626.40, while closing CD seller's fees total $0.00.           2 B [Redacted] CA Primary Purchase   D B D B C B C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes
203204320 [Redacted] [Redacted] 6323620 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Temporary SHQM (GSE/Agency Eligible) matches the Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). Received update tape           2 B [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status D B D B C B C A Higher Priced QM Temporary SHQM (GSE/Agency Eligible) Yes
203204321 [Redacted] [Redacted] 6260804 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C A C A A A C A Non QM Non QM No
203204321 [Redacted] [Redacted] 6289063 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 85.00000%. Bank Statement guidelines allow max 85% with credit score < 700.   Reviewer Comment (2018-04-26): Underwritten to Portfolio Select Matrix Feb. 2nd, Business bank statement loan LTV allowed up to 90%
 04/26/2018     1 A [Redacted] FL Primary Purchase   C A C A A A C A Non QM Non QM No
203204322 [Redacted] [Redacted] 6268813 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-25): Appraisal Effective date 3/14/18
     04/25/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204322 [Redacted] [Redacted] 6268827 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204322 [Redacted] [Redacted] 6269749 [Redacted] [Redacted] 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 [Redacted] prior to three (3) business days from transaction date of xx/xx/xxxx. The CD reflects a disbursement date of [Redacted].  The RTC expires [Redacted].   Reviewer Comment (2018-04-30): A post close CD with the correct disbursement date, a letter of  explanation to the borrower and evidence of delivery have been provided.
 04/30/2018     1 A [Redacted] 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 C B C B C B C A Non QM Non QM Yes
203204322 [Redacted] [Redacted] 6282430 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Final Closing Disclosure disclosed a closing date of xx/xx/xxxx. Actual consummation on xx/xx/xxxx           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204322 [Redacted] [Redacted] 6282431 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Pad fee that was not allocated to a specific cost or service performed. (Final/xx/xx/xxxx) Escrow Pad fee disclosed in Schedule H not valid fee.   Reviewer Comment (2018-04-30): A post close CD removing the PAD Fee, a copy of the letter of explanation to the borrower and evidence of delivery have been provided.
   04/30/2018   2 B [Redacted] CA Primary Refinance - Rate/Term Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204322 [Redacted] [Redacted] 6291292 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.  The most recent printout is dated 3/13/18.  The loan closed xx/xx/xxxx.   Reviewer Comment (2018-04-30): Third party verification of borrower's business obtained within 10 days of closing has been provided.
 04/30/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204323 [Redacted] [Redacted] 6258426 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Debt Consolidation   C A C A     C A     No
203204323 [Redacted] [Redacted] 6271079 [Redacted] [Redacted] Credit Credit Credit Documentation There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.   Lease Agreement for subject property not evidenced in loan file.  Used lease amount of $1,200/mo, from appraisal, for qualifying purposes.   Reviewer Comment (2018-04-30): Upon further review, a copy of the lease is not required.


Reviewer Comment (2018-04-26): Per the guidelines, a copy of the lease is required.
 04/30/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Debt Consolidation   C A C A     C A     No
203204324 [Redacted] [Redacted] 6216818 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Refinance - Rate/Term   C A A A     C A     No
203204325 [Redacted] [Redacted] 6251052 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing annual hazard insurance policy and proof free and clear for [REDACTED].  Loan file contains only annual property tax information. 804 representative FICO score > 720 guideline minimum - 84 points above guideline minimum

Borrower on this bank statement documentation loan has a disposable income of $32,465.69		 Reviewer Comment (2018-05-02): Client elects to waive exception for documentation of commercial loan and to exclude this lien from the borrower's DTI calculation.  Credit Risk Summary & exception Approval provided.  Compensating factors:  Credit score and residual income.


Reviewer Comment (2018-04-26): Black Knight Report provided confirms taxes, but indicates the last transaction was a new commercial loan obtained in December 2015.  Evidence of no liens and hazard insurance is still missing
     05/02/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B A A A A Non QM Non QM No
203204325 [Redacted] [Redacted] 6253767 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Missing 3rd Party VVOE within 10 days of closing  -  Internet search provided is dated 3/21/18 and Note is dated xx/xx/xxxx   Reviewer Comment (2018-05-02): Third party verification of borrower's business dated within 10 days of closing has been provided.
 05/02/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B A A A A Non QM Non QM No
203204326 [Redacted] [Redacted] 6219302 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C B A A B B C A Non QM Non QM No
203204326 [Redacted] [Redacted] 6219417 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-23): Received
 04/23/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203204326 [Redacted] [Redacted] 6244067 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses a higher $150.00 Title - Courier fee amount paid  by Seller at closing  vs. $55.00 disclosed on Consumer CD .  Seller CD discloses $150.00 Notary fee and $55.00 Title - Seller Payoff Handling fee paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] GA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204327 [Redacted] [Redacted] 6233440 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204327 [Redacted] [Redacted] 6233558 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) .           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203204327 [Redacted] [Redacted] 6239630 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Proof 100% Owner of IPro, Telephone Listing / Internet Search / Directory Assistance Missing satisfactory evidence Borrower is 100% owner of, business [Redacted] required under[Redacted] Statement program.

Missing VVOE within 7 days prior to closing.    [Redacted] web site dated 3/9/2018 > 7 days from xx/xx/xxxx closing.		   Reviewer Comment (2018-05-17): Received proof via TX state website
 05/17/2018     1 A [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204327 [Redacted] [Redacted] 6239689 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 687 is less than Guideline representative FICO score of 700. 687 < 700  Portfolio Select Bank Statement 90% LTV program.  Lender's approval based on 687 score per 1008 Transmittal .  Pricing based on 690 score per Lock Confirmation.   690 is not a reported score per Lender's credit report dated 3/7/2018 DTI lower than guidelines, residual income meets guidelines. Reviewer Comment (2018-04-26): Rec'd exception for credit score < program requirements.
     04/26/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204327 [Redacted] [Redacted] 6258495 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.41 is less than Guideline PITIA months reserves of 6.00. 2.41 months < 6 months Portfolio Select Bank Statement program.  Lender's 4 month calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: DTI 14.12% < 45% and $18,211.07 > $3,000.00 Residual Income. xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum

Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx		 Reviewer Comment (2018-04-21): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: DTI 14.12% < 45% and $18,211.07 > $3,000.00 Residual Income.
     04/21/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204328 [Redacted] [Redacted] 6225799 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203204328 [Redacted] [Redacted] 6225862 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $42,691.99, while closing CD seller's fees total $94,778.04.           2 B [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204329 [Redacted] [Redacted] 6235285 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $32.00 Lender cure credit for tolerance       04/19/2018   1 A [Redacted] NV Primary Purchase Final CD evidences Cure C B C A B B A A Non QM Non QM Yes
203204329 [Redacted] [Redacted] 6235371 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-24): Received
 04/24/2018     1 A [Redacted] NV Primary Purchase No Defined Cure C B C A B B A A Non QM Non QM No
203204329 [Redacted] [Redacted] 6235372 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller CD discloses $44.61 Balance amount due to Republic Services of Southern Nevada paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] NV Primary Purchase   C B C A B B A A Non QM Non QM Yes
203204329 [Redacted] [Redacted] 6256813 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $95,228.45 is less than Cash From Borrower $101,530.40. $95,228.45 < $101,530.40   Reviewer Comment (2018-04-24): Updated with the $16,900 deposit on 3/24/18
 04/24/2018     1 A [Redacted] NV Primary Purchase   C B C A B B A A Non QM Non QM No
203204330 [Redacted] [Redacted] 6265407 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-25): Appraisal effective date 2/16/18
     04/25/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B A C B Non QM Non QM No
203204330 [Redacted] [Redacted] 6265409 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B A C B Non QM Non QM No
203204330 [Redacted] [Redacted] 6278277 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Final Closing Disclosure discloses a $125.00 Lender cure credit for tolerance       04/24/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B B A C B Non QM Non QM Yes
203204330 [Redacted] [Redacted] 6290157 [Redacted] [Redacted] Property Property - Appraisal General Appraisal Requirements Valuation Error: Desk review value not provided.   Missing secondary valuation required cash-out > $100,000 28.329% DTI on this Bank Statement documentation loan < 45% guideline max

[Redacted] LTV < 80% guideline max		 Reviewer Comment (2018-05-01): Received Credit Risk Summary & Exception Approval. Missing secondary valuation for cash out greater than 100. Compensating Factors: 1) DTI. 2) LTV.
     05/01/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B A C B Non QM Non QM No
203204330 [Redacted] [Redacted] 6290373 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing annual property taxes, hazard insurance and HOA for [REDACTED] property   Reviewer Comment (2018-05-11): Received proof [REDACTED] owned by LLC


Reviewer Comment (2018-04-30): In order to exclude mortgage debt, evidence the party making the payments is obligated on the mortgage debt  and documentation of the most recent 12 month pay history with no delinquencies are required.
 05/11/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B A C B Non QM Non QM No
203204330 [Redacted] [Redacted] 6291345 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Unable to locate in the file   Reviewer Comment (2018-04-26): Evidence of borrower's consent has been provided.
 04/26/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C B B A C B Non QM Non QM No
203204331 [Redacted] [Redacted] 6252196 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203204331 [Redacted] [Redacted] 6263870 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003   Broker's initial 1003 is incomplete.  Missing co-borrower, [REDACTED], information on initial 1003.           2 B [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203204331 [Redacted] [Redacted] 6263894 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 676 is less than Guideline representative FICO score of 680. Credit Risk Summary & Exception Approval reflects exception granted for credit score not meeting LTV requirements. Guideline variance approved by lender at time of origination Reviewer Comment (2018-04-23): Credit Risk Summary & Exception approval p316
     04/23/2018 2 B [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203204331 [Redacted] [Redacted] 6263920 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   First Time Home Buyers not allowed on Second Home > 80% LTV program.  Borrowers have rented for 7+ years and credit report does not reflect any prior mortgages. Guideline variance approved by lender at time of origination

Borrower has employment stability for 11 years in the [Redacted].

38.04% DTI on this full documentation loan < 45% guideline max - 6.96% below program guideline maximum

Borrowers on this full documentation loan have a disposable income of $5,191.83		 Reviewer Comment (2018-04-26): Client elects to waive the exception for LTV exceeding the guideline maximum of 80%.
     04/26/2018 2 B [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203204332 [Redacted] [Redacted] 6241697 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C A C A A A C A N/A N/A No
203204332 [Redacted] [Redacted] 6258688 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing self-employment documents for [REDACTED] //// GUIDELINE: If the borrower is employed within the U.S., standard income and employment documentation requirements apply.   Reviewer Comment (2018-04-30): Per letter from Accountant all income is filed in Colombia and not in the United states


Reviewer Comment (2018-04-27): [REDACTED] is a FL-based company doing business in FL.  Any income/losses attributable to the corporation would be reported on the borrower's US tax returns, including foreign income.  Exception remains.
 04/30/2018     1 A [Redacted] FL Investment Purchase   C A C A A A C A N/A N/A No
203204333 [Redacted] [Redacted] 6248475 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203204333 [Redacted] [Redacted] 6263797 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.82 is less than Guideline PITIA months reserves of 6.00. 5.82 months PITI reserves < 6 months Portfolio Select program.   Lender's 4 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: Credit History and Stable Employment History Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-23): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: Credit History and Stable Employment History
     04/23/2018 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203204334 [Redacted] [Redacted] 6223347 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Flood cert not evidenced in loan file.   Reviewer Comment (2018-05-05): Received
 05/05/2018     1 A [Redacted] IL Primary Purchase   C B C A B B C A Non QM Non QM No
203204334 [Redacted] [Redacted] 6223550 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client to order at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] IL Primary Purchase   C B C A B B C A Non QM Non QM No
203204334 [Redacted] [Redacted] 6223894 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant.  Seller paid fees on Seller's CD are not consistent with seller paid fees on Borrower's Final CD.  Seller's CD reflects $14,082.50 in seller paid fees.  Borrower's Final CD reflects $14,520 in seller paid fees.           2 B [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203204335 [Redacted] [Redacted] 6220725 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203204336 [Redacted] [Redacted] 6229708 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203204336 [Redacted] [Redacted] 6229948 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) The sellers CD was not in the file.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203204337 [Redacted] [Redacted] 6241088 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer CD discloses a higher $30,474.00 Real Estate Commission Sellers Broker fee amount paid by Seller at closing vs. $29,975.00 disclosed on Seller's CD           2 B [Redacted] OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Non QM Non QM Yes
203204337 [Redacted] [Redacted] 6241089 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $795.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $105.00 Lender cure credit for tolerance       04/19/2018   1 A [Redacted] OR Primary Purchase Final CD evidences Cure C B C A B B A A Non QM Non QM Yes
203204337 [Redacted] [Redacted] 6258566 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-27): Evidence of borrowers' consent has been provided.
 04/27/2018     1 A [Redacted] OR Primary Purchase No Defined Cure C B C A B B A A Non QM Non QM No
203204337 [Redacted] [Redacted] 6258574 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing verification of annual hazard insurance , HOA dues and property taxes for [REDACTED].  Copy of mortgage statement in file verifies $2,385.52 payment does not include an escrow account.   Copy of evidence of insurance does not reference annual premium amount.   Reviewer Comment (2018-05-04): Verification of mortgage, taxes, insurance and HOA dues on [REDACTED] have been provided.


Reviewer Comment (2018-04-27): No new documents provided to address this exception.
 05/04/2018     1 A [Redacted] OR Primary Purchase   C B C A B B A A Non QM Non QM No
203204338 [Redacted] [Redacted] 6222336 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.21 is less than Guideline PITIA months reserves of 6.00. 3.22 months ($4,908.93) < 6 months ($9,044.22 [Redacted] program.   Lender's 6 months calculation not supported by asset verification in file. Borrower on this Bank Statement documentation loan has a disposable income of $7,101.58 Reviewer Comment (2018-04-26): Lender exception approval provided with one valid comp factor.  Form provided on 04/25/2018.  Comp factors: FICO score (not valid as comp factor) and residual income.
     04/26/2018 2 B [Redacted] AZ Primary Refinance - Cash-out - Other   C B C B B B C B Non QM Non QM No
203204338 [Redacted] [Redacted] 6222338 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.     Borrower on this Bank Statement documentation loan has a disposable income of $7,101.58

38.23% DTI on this bank statement documentation loan < 45% guideline max - 6.77% below program guideline maximum		 Reviewer Comment (2018-05-01): Lender elects to waive exception for a secondary valuation product.  Credit Risk Summary & Exception Approval Form has been provided.
     05/01/2018 2 B [Redacted] AZ Primary Refinance - Cash-out - Other   C B C B B B C B Non QM Non QM No
203204338 [Redacted] [Redacted] 6222400 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [Redacted] Disclosed TIP 129.45200% > Calculated TIP 127.25600%.           2 B [Redacted] AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B C B Non QM Non QM Yes
203204338 [Redacted] [Redacted] 6253099 [Redacted] [Redacted] Property Property - Appraisal General Appraisal Requirements Valuation Error: Desk review value not provided.   Missing secondary appraisal product required cash-out > $100,000.00. Borrower on this Bank Statement documentation loan has a disposable income of $7,101.58

38.23% DTI on this bank statement documentation loan < 45% guideline max - 6.77% below program guideline maximum		 Reviewer Comment (2018-05-01): Lender elects to waive exception for secondary valuation product. Credit Risk Summary & Exception Approval has been provided.


Reviewer Comment (2018-04-26): Full AVM report not provided for review; Lender exception form does not detail the reason that cash out exceeds?
     05/01/2018 2 B [Redacted] AZ Primary Refinance - Cash-out - Other   C B C B B B C B Non QM Non QM No
203204338 [Redacted] [Redacted] 6253700 [Redacted] [Redacted] Credit Title Missing Document Final Title Policy is missing. No evidence of title in file.   Preliminary or Commitment Title work not in file.   Reviewer Comment (2018-05-01): A CPL and Title Commitment have been provided.


Reviewer Comment (2018-04-26): Title report not provided for review.
 05/01/2018     1 A [Redacted] AZ Primary Refinance - Cash-out - Other   C B C B B B C B Non QM Non QM No
203204339 [Redacted] [Redacted] 6242104 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Investment Purchase   C A A A A A C A N/A N/A No
203204340 [Redacted] [Redacted] 6243509 [Redacted] [Redacted] Credit Income / Employment Income Documentation Document Error: Bank statement account period not provided.   Missing [Redacted] October 2016 statement to complete 24 months statements used to support income under[Redacted] program           2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204340 [Redacted] [Redacted] 6243802 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.40 is less than Guideline PITIA months reserves of 6.00. 4.40 months < 6 months Platinum program.  Lender's 3 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: 746 Credit Score, $15,589.46 Residual Income and Stable employment history XXX representative FICO score > XXX guideline minimum - XX points above guideline minimum

Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx		 Reviewer Comment (2018-04-21): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: 746 Credit Score, $15,589.46 Residual Income and Stable employment history
     04/21/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204340 [Redacted] [Redacted] 6243909 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204340 [Redacted] [Redacted] 6258639 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] TX Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203204340 [Redacted] [Redacted] 6258640 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer CD discloses a higher $260.00 Attorney's Review fee and $40,000.00 RE Commission Seller fee amounts paid by Seller at closing vs $210.00 and $39,000.00 disclosed on Seller's CD.  Seller's CD discloses $98.00 Recording fees and $866.00 Survey fee paid by Seller at closing that is not disclosed on Consumer's CD           2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM Yes
203204341 [Redacted] [Redacted] 6242729 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] IL Primary Purchase   C B A A B B C A Non QM Non QM No
203204341 [Redacted] [Redacted] 6243087 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Consumer CD does not reflect any seller paid fees.           2 B [Redacted] IL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204341 [Redacted] [Redacted] 6262385 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. eConsent not found in file           2 B [Redacted] IL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203204342 [Redacted] [Redacted] 6228590 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TN Investment Refinance - Cash-out - Other   C A A A     C A     No
203204343 [Redacted] [Redacted] 6272422 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $14.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7579)         04/23/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B C B A A A A Non QM Non QM Yes
203204343 [Redacted] [Redacted] 6274063 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Guidelines require 24 months of business bank statements and the loan file only contain 23 months.  There are 2 duplicate copies for the month of 9/2017. 13.42% DTI on this bank statement documentation loan < 45% guideline max - 31.58% below program guideline maximum

[Redacted] LTV < 90% guideline max -  $116,178 more equity than required by program guidelines

Borrower on this bank statement documentation loan has a disposable income of $11,186.27.		 Reviewer Comment (2018-05-02): Client elects to waive the requirement for the missing bank statement.  Compensating factors:  Low LTV, low DTI and Residual income.


Reviewer Comment (2018-04-26): The bank statement dated 12/30/17 is the one that is missing from the file.
     05/02/2018 2 B [Redacted] GA Primary Purchase   C B C B A A A A Non QM Non QM No
203204344 [Redacted] [Redacted] 6268663 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   C A C A A A C A N/A N/A No
203204344 [Redacted] [Redacted] 6280272 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 57.21020% exceeds Guideline total debt ratio of 50.00000%. DTI exceeds 50%   Reviewer Comment (2018-05-03): Evidence that there is no mortgage on property at [REDACTED] property has been provided.


Reviewer Comment (2018-05-02): Need verification that [REDACTED] no longer has a $200,000 mortgage as per Fraud Report and Schedule E Mortgage Interest. (DTI will be 30.39% if no mortgage on this property)
 05/03/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   C A C A A A C A N/A N/A No
203204345 [Redacted] [Redacted] 6260470 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Bankruptcy Documents not provided       Reviewer Comment (2018-04-25): Bankruptcy > 4 years, not required
 04/25/2018     1 A [Redacted] WA Primary Purchase   C A C A C A C A Non QM Non QM No
203204345 [Redacted] [Redacted] 6260653 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] WA Primary Purchase   C A C A C A C A Non QM Non QM No
203204345 [Redacted] [Redacted] 6260684 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 03/30/2018, Transaction     Reviewer Comment (2018-05-02): Evidence of revised coverage start date of 3/29/18 has been provided.


Buyer Comment (2018-05-02): uploaded endorsement changing effective date to 3/29/2018
 05/02/2018     1 A [Redacted] WA Primary Purchase   C A C A C A C A Non QM Non QM No
203204345 [Redacted] [Redacted] 6260894 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign consent agreement not provided.   Reviewer Comment (2018-04-25): 04/25/2018 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 04/25/2018     1 A [Redacted] WA Primary Purchase No Defined Cure C A C A C A C A Non QM Non QM No
203204345 [Redacted] [Redacted] 6260895 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/23/2018) Final CD issued xx/xx/xxxx was not provided within three business days of closing, closing date xx/xx/xxxx. No evidence of early receipt located in the file.   Reviewer Comment (2018-04-25): 04/25/2018 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 04/25/2018     1 A [Redacted] WA Primary Purchase No Defined Cure C A C A C A C A Non QM Non QM No
203204345 [Redacted] [Redacted] 6260897 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $214.00 exceeds tolerance of $182.00 plus 10% or $200.20.  Sufficient or excess cure was provided to the borrower at Closing. (0) LE dated 2/26/2018 reflects recording fee total of $182.00 and the final CD reflects fee at $214.00 and no cure was provided to the borrower.       04/23/2018   1 A [Redacted] WA Primary Purchase Final CD evidences Cure C A C A C A C A Non QM Non QM Yes
203204346 [Redacted] [Redacted] 6269010 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Agreement is not evident prior to borrower receiving and signing initial loan documents.           2 B [Redacted] MS Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203204346 [Redacted] [Redacted] 6269025 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MS Primary Purchase   C B A A B B C A Non QM Non QM No
203204346 [Redacted] [Redacted] 6282057 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD lists the closing costs of $24,172.25; whereas the borrower final CD is showing the seller closing costs of $22,667.25.           2 B [Redacted] MS Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204347 [Redacted] [Redacted] 6262827 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.65666% exceeds Guideline total debt ratio of 45.00000%. DTI does exceed 45% but meets the exception policy based on compensating factors of > $3,000 residual income and > 6 months reserves. 11.99 months reserves > 6 months guideline minimum

Borrower on this Full documentation loan has a disposable income of $19,792.06.		 Reviewer Comment (2018-04-25): Lender Exception approval provided.
     04/25/2018 2 B [Redacted] WA Primary Purchase   C B C B B B A A Non QM Non QM No
203204347 [Redacted] [Redacted] 6263167 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $182.00 plus 10% or $200.20.  Sufficient or excess cure was provided to the borrower at Closing. (0) Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $182.00 plus 10% or $200.20. Sufficient or excess cure of $49.80 was provided to the borrower at Closing.       04/23/2018   1 A [Redacted] WA Primary Purchase Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203204347 [Redacted] [Redacted] 6287520 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing mortgage statements for 1st and 2nd liens on property at [REDACTED].  Unable to verify payment on 1st lien includes escrow for taxes and insurance.  Verification of HOA or LOE from borrower was not provided; unable to verify accurate PITIA for this property   Reviewer Comment (2018-05-01): Received mortgage statement for 1st lien. 2nd lien is on credit report.


Reviewer Comment (2018-05-01): HOA (none) on [REDACTED] verification has been provided.   Verification of the second mortgage is still required.


Buyer Comment (2018-05-01): The property is a single Family home sitting on 5.52 acres there is no HOA fee.


Reviewer Comment (2018-04-30): A statement for the first mortgage verifying that taxes and insurance are included in the payment has been provided.  Verification of the second mortgage and affidavit regarding HOA dues are still required.
 05/01/2018     1 A [Redacted] WA Primary Purchase   C B C B B B A A Non QM Non QM No
203204347 [Redacted] [Redacted] 6288079 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $72,021.02 while Borrower CD seller's fees total $72,103.52.           2 B [Redacted] WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203204348 [Redacted] [Redacted] 6258646 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Final Closing Disclosure.  Seller CD fees total $65,827.46, while closing CD seller's fees total $14,885.80.           2 B [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM Yes
203204348 [Redacted] [Redacted] 6258650 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203204348 [Redacted] [Redacted] 6276758 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $4.50   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204348 [Redacted] [Redacted] 6280308 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203204349 [Redacted] [Redacted] 6262840 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] SC Investment Purchase   C A A A A A C A N/A N/A No
203204351 [Redacted] [Redacted] 6258968 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.80488% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 291, DTI > maximum allowed. Compensating Factors: 1) Credit history  2) LTV 3) Residual Income 4) Stable employment history. [Redacted] LTV < 85% guideline max

$5,654.47 Residual Income		 Reviewer Comment (2018-04-24): Compensating Factors: 1) Credit history 2) LTV 3) Residual Income 4) Stable employment history.
     04/24/2018 2 B [Redacted] UT Primary Purchase   C B C B B B C A Non QM Non QM No
203204351 [Redacted] [Redacted] 6258969 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] UT Primary Purchase   C B C B B B C A Non QM Non QM No
203204351 [Redacted] [Redacted] 6272614 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing e-sign consent agreement.   Reviewer Comment (2018-04-26): rec'd e-consent
 04/26/2018     1 A [Redacted] UT Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203204351 [Redacted] [Redacted] 6272642 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing verification of amount of monthly insurance for [REDACTED].   Reviewer Comment (2018-05-03): Evidence of insurance for [REDACTED] has been provided.


Reviewer Comment (2018-04-27): Insurance dec page provided is for sold property at [REDACTED], not [REDACTED].  Exception remains.


Reviewer Comment (2018-04-26): nothing uploaded
 05/03/2018     1 A [Redacted] UT Primary Purchase   C B C B B B C A Non QM Non QM No
203204351 [Redacted] [Redacted] 6280445 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.04 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval in file, page 291, Reserves: Requirements not met. Compensating Factors: 1) Credit history  2) LTV 3) Residual Income 4) Stable employment history. [Redacted] LTV < 85% guideline max

$5,654.47 Residual Income		 Reviewer Comment (2018-04-24): Compensating Factors: 1) Credit history 2) LTV 3) Residual Income 4) Stable employment history.
     04/24/2018 2 B [Redacted] UT Primary Purchase   C B C B B B C A Non QM Non QM No
203204351 [Redacted] [Redacted] 6281078 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $67,793 >  $36,025           2 B [Redacted] UT Primary Purchase   C B C B B B C A Non QM Non QM Yes
203204353 [Redacted] [Redacted] 6277395 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] OH Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204353 [Redacted] [Redacted] 6279544 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.58 is less than Guideline PITIA months reserves of 3.00. Using 50% of the value of 401(k) plans borrower has less than  3 months reserves. No lender exception found. 38.81% DTI on this  Full documentation loan < 45% guideline max

[Redacted] LTV < 75% guideline max		 Reviewer Comment (2018-05-01): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) LTV. 3) Payment Shock.
     05/01/2018 2 B [Redacted] OH Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204353 [Redacted] [Redacted] 6287205 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue:  Subject loan is a non-arms length transaction  outside of credit guidelines   Appraisal still shows property in relatives name and indicates that the sale is a Arms length sale. Loan presented as a refinance, but file contains gift letter from relative for gift of equity. 38.81% DTI on this  Full documentation loan < 45% guideline max

[Redacted] LTV < 75% guideline max		 Reviewer Comment (2018-05-01): Received Credit Risk Summary & Exception Approval. Non-Arms' Length Transaction. Compensating Factors: 1) DTI. 2) LTV. 3) Payment Shock.
     05/01/2018 2 B [Redacted] OH Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203204353 [Redacted] [Redacted] 6287330 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $165.00 + $441.56   Reviewer Comment (2018-04-27): Evidence that no cure required for the $165 Survey Fee and a post close CD curing the $441.56 defect have been provided.  However, a copy of the refund check to the borrowers for $441.56 and evidence of delivery are required to cure this exception.
       2 B [Redacted] OH Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204353 [Redacted] [Redacted] 6287333 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $165.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187) Survey not disclosed on LE   Reviewer Comment (2018-04-27): Lender's Attestation that the Title - Survey Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists for this fee.
   04/27/2018   2 B [Redacted] OH Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204353 [Redacted] [Redacted] 6287334 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $894.56 exceeds tolerance of $453.00.  Insufficient or no cure was provided to the borrower. (8304) State Tax stamps increased $441.56 with no valid change of circumstance.   Reviewer Comment (2018-05-04): Corrected post close CD, a copy of the refund check, letter of explanation to the borrower and evidence of delivery have been provided.


Reviewer Comment (2018-04-27): A post close CD crediting the borrowers with a cure amount of $441.56 with a letter of explanation to the borrowers and evidence of delivery has been provided.  However, a copy of the refund check with evidence of delivery is required to cure this exception.
   05/04/2018   2 B [Redacted] OH Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203204355 [Redacted] [Redacted] 6258908 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CO Primary Purchase   C B A A B B C A Non QM Non QM No
203204355 [Redacted] [Redacted] 6258914 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] CO Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203204356 [Redacted] [Redacted] 6263367 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] AZ Primary Purchase   C B A A B B C A Non QM Non QM No
203204356 [Redacted] [Redacted] 6265795 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Seller Cd is missing in file           2 B [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203204356 [Redacted] [Redacted] 6265796 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $490.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Appraisal Fee disclosed as $465 on LE but disclosed as $490 on Final CD       04/23/2018   1 A [Redacted] AZ Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203204357 [Redacted] [Redacted] 6266628 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Minimum Loan Amount discrepancy. Note loan amount of $[Redacted] is less than Guideline minimum loan amount of $150,000.00. Credit Risk Summary & Exception Approval in file, page 231. Loan Amount Less than minimum allowed by program. Compensating Factors: 1) Credit Score. 2) Credit History. 3) LTV. [Redacted] LTV < 80% guideline max

812 representative FICO score > 700 guideline minimum		 Reviewer Comment (2018-04-25): Compensating Factors: 1) Credit Score. 2) Credit History. 3) LTV.
     04/25/2018 2 B [Redacted] GA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203204357 [Redacted] [Redacted] 6266700 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203204357 [Redacted] [Redacted] 6267080 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Loan designation of Higher Priced QM was downloaded via Data Tape.   Reviewer Comment (2018-05-07): Received update data tape
 05/07/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203204357 [Redacted] [Redacted] 6267083 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $45 + $155 + $31 + $175 = $406 less $219.76 CD credit is $186.24 still due to Borrower   Reviewer Comment (2018-05-11): A post close CD increasing the lender credit  to $259.26 ($175 + $31 + 53.26) to cure closing cost increases, letter of explanation to the borrowers, a copy of the refund check to the borrowers and evidence of delivery have been provided.
   05/11/2018   2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203204357 [Redacted] [Redacted] 6278991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7552) Reinspection fee added on 3-19 CD was invalid change of circumstance due to timing - appraisal completed on 2-25-18 made "subject to completion", fee should of been re-disclosed within 3 days of the event.   Reviewer Comment (2018-05-11): A post close CD increasing the lender credit  to $259.26 ($175 + $31 + 53.26) to cure closing cost increases, letter of explanation to the borrowers, a copy of the refund check to the borrowers and evidence of delivery have been provided.


Reviewer Comment (2018-05-02): No evidence of cure provided.
   05/11/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203204357 [Redacted] [Redacted] 6278992 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $560.00 exceeds tolerance of $529.00.  Insufficient or no cure was provided to the borrower. (8304) Erroneous:  Amount over tolerance can be cured.  Final CD reflects $219.76 credit to cure amount over tolerance.  10% Fees exceeded by $53.26 and 0% fees exceeded by $31.00 are cured with $135.50 remaining.  LE issued on 3/12/18 reflects transfer tax of $529.  Final CD reflects transfer tax of $560.  No valid change of circumstance provided.   Reviewer Comment (2018-05-11): A post close CD increasing the lender credit  to $259.26 ($175 + $31 + 53.26) to cure closing cost increases, letter of explanation to the borrowers, a copy of the refund check to the borrowers and evidence of delivery have been provided.


Reviewer Comment (2018-05-02): No evidence of cure has been provided.
   05/11/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203204357 [Redacted] [Redacted] 6287475 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. Condo (Low Rise) Credit Risk Summary & Exception Approval in file, page 231. Condo Project Ineligible: Unwarrantable condo - Project not 100% complete. Compensating Factors: 1) Credit Score. 2) Credit History. 3) LTV. [Redacted] LTV < 80% guideline max

812 representative FICO score > 700 guideline minimum		 Reviewer Comment (2018-04-25): Compensating Factors: 1) Credit Score. 2) Credit History. 3) LTV.
     04/25/2018 2 B [Redacted] GA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203204357 [Redacted] [Redacted] 6288610 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing complete settlement statement from sale of [REDACTED], file on contains page 1 (of 3) so unable to determine proceeds.   Reviewer Comment (2018-05-01): Final Settlement Statement has been provided confirming source of deposit to [REDACTED] checking account.
 05/01/2018     1 A [Redacted] GA Primary Purchase   C B C B C B C A Higher Priced QM Safe Harbor QM No
203204357 [Redacted] [Redacted] 6288798 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7562) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-01): Lender provided attestation that fees were required by the vendor selected by the borrowers. No tolerance violation exists.
 05/01/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203204357 [Redacted] [Redacted] 6288799 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7565) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-01): Lender provided attestation that fees were required by the vendor selected by the borrowers. No tolerance violation exists.
 05/01/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203204357 [Redacted] [Redacted] 6327120 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,389.76 exceeds tolerance of $1,215.00 plus 10% or $1,336.50.  Insufficient or no cure was provided to the borrower. (0) Ten percent tolerance violation in the amount of $53.26 exists for the increase in title fees.   Reviewer Comment (2018-05-17): A post close CD increasing the lender credit  to $259.26 ($175 + $31 + 53.26) to cure closing cost increases, letter of explanation to the borrowers, a copy of the refund check to the borrowers and evidence of delivery have been provided.
   05/17/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203204357 [Redacted] [Redacted] 6394038 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. received updated data tape           2 B [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Higher Priced QM Safe Harbor QM Yes
203204358 [Redacted] [Redacted] 6261737 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] MI Primary Purchase   C B C A B B C A Non QM Non QM No
203204358 [Redacted] [Redacted] 6275906 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Telephone Listing / Internet Search / Directory Assistance Internet search verifying business within 10 days prior to closing is not evident.   Reviewer Comment (2018-04-26): Verification provided on 04/26/2018.
 04/26/2018     1 A [Redacted] MI Primary Purchase   C B C A B B C A Non QM Non QM No
203204358 [Redacted] [Redacted] 6286688 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $5.00 difference           2 B [Redacted] MI Primary Purchase   C B C A B B C A Non QM Non QM Yes
203204359 [Redacted] [Redacted] 6266604 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Loan Payoff Statement not provided       Reviewer Comment (2018-04-26): Received original Note  -
 04/26/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C B C B A A C A N/A N/A No
203204359 [Redacted] [Redacted] 6267017 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-25): Appraisal effective date 3/9/18
     04/25/2018 2 B [Redacted] CA Investment Refinance - Rate/Term   C B C B A A C A N/A N/A No
203204359 [Redacted] [Redacted] 6288210 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Loan purpose discrepancy. Loan purpose of Refinance does not match Guideline loan purpose of Purchase. Investment property rate/term refinance approval under Portfolio Select Bank Statement program.  Investment properties limited to purchase transactions only under Bank Statement program.  Lender's Credit Risk Summary & Exception Approval in file allowing rate/term refinance for investment property under Bank Statement program.   Compensating factors:  786 Credit Score, Credit History, Low DTI, 37.6% LTV and Residual income XXX representative FICO score > XXX guideline minimum - XX points above guideline minimum

xx.xx% LTV < xx.xx guideline max -  $xx,xxx.xx more equity than required by program guidelines		 Reviewer Comment (2018-04-25): Lender's Credit Risk Summary & Exception Approval in file allowing rate/term refinance for investment property under Bank Statement program.   Compensating factors:  786 Credit Score, Credit History, Low DTI, 37.6% LTV and Residual income
     04/25/2018 2 B [Redacted] CA Investment Refinance - Rate/Term   C B C B A A C A N/A N/A No
203204359 [Redacted] [Redacted] 6288904 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing copy of Note(s), signed Final Closing Disclosure, evidence of hazard insurance, property taxes and HOA dues for proposed new primary residence. [REDACTED] Borrowers' current residence.   Borrowers to convert current primary to investment and purchase new primary.   New primary not finalized prior to closing.   Lender's DTI based on proposed  PITI for new primary based on a pre-qualification (p 139)   Reviewer Comment (2018-04-26): A processor's cert attesting that the borrowers did not proceed with the acquisition of a new primary residence or the conversion of their existing primary to an investment property has been provided.
 04/26/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C B C B A A C A N/A N/A No
203204359 [Redacted] [Redacted] 6288923 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C B C B A A C A N/A N/A No
203204360 [Redacted] [Redacted] 6262944 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203204360 [Redacted] [Redacted] 6278139 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 666 is less than Guideline representative FICO score of 680. 666 < 680 Portfolio Select Bank Statement Investment property.  Exception not acknowledged by Lender Guideline variance approved by lender at time of origination: Credit Score is less than the minimum required by the guidelines.

Borrower has $158,095 in reserves.

Borrower payment shock minimal at 0.41%.		 Reviewer Comment (2018-05-01): Client elects to waive the minimum credit score requirement.


Buyer Comment (2018-04-30): The loan on [Redacted] paid off the the mortgage on [REDACTED] and the subject property,  I have also upld taxes and insurance
     05/01/2018 2 B [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203204360 [Redacted] [Redacted] 6289400 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing evidence annual property taxes, hazard insurance, HOA and proof free and clear for [Redacted] property   Reviewer Comment (2018-05-01): Verification of taxes and insurance and evidence of payoff of mortgage on [REDACTED] have been provided.
 05/01/2018     1 A [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203204360 [Redacted] [Redacted] 6290132 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Within 10 days of closing   Reviewer Comment (2018-05-01): Third party verification of the borrower's business obtained within 10 days of closing has been provided.
 05/01/2018     1 A [Redacted] CA Investment Purchase   C B C B A A C A N/A N/A No
203204362 [Redacted] [Redacted] 6267412 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203204362 [Redacted] [Redacted] 6287427 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-26): Evidence of borrower's consent has been provided.
 04/26/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203204362 [Redacted] [Redacted] 6287821 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.97 is less than Guideline PITIA months reserves of 6.00. 4.97 months < 6 months PITI reserves Portfolio Select Bank Statement program. Lender's 2 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file. 10.632% DTI and Stable employment history xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum

Borrower has employment stability for ## years in the (Industry Name).		 Reviewer Comment (2018-04-25): Lender's Credit Risk Summary & Exception Approval in file. 10.632% DTI and Stable employment history
     04/25/2018 2 B [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203204362 [Redacted] [Redacted] 6289732 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] 1084 or income worksheet     Reviewer Comment (2018-05-01): Income Worksheet has been provided.
 05/01/2018     1 A [Redacted] FL Primary Purchase   C B C B B A C A Non QM Non QM No
203204363 [Redacted] [Redacted] 6229965 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.60271% exceeds Guideline total debt ratio of 45.00000%. 47.60% > 45% Portfolio Select Bank Statement program.  Lender's 48.47% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 51.7% Payment Shock and $9,316.31 Residual Income. Guideline variance approved by lender at time of origination. DTI does exceed 43% but meets the exception policy based on compensating factors of <$3,000 residual income and 51.72736% payment shock > 300%. Reviewer Comment (2018-04-20): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 51.7% Payment Shock and $9,316.31 Residual Income.
     04/20/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204363 [Redacted] [Redacted] 6229970 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204363 [Redacted] [Redacted] 6230440 [Redacted] [Redacted] 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. $3,651.55 Initial Deposit Amount per Initial Escrow Account Disclosure Statement <  $4,173.20 Initial Escrow Payment per Final Closing Disclosure           2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204363 [Redacted] [Redacted] 6230442 [Redacted] [Redacted] 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). [Redacted] disclosed RTC expiration date, based Co-borrower's [Redacted] execution date, < [Redacted] expected RTC expiration date based on Borrower's [Redacted] execution date   Reviewer Comment (2018-04-26): Rec'd LOE, evidence rescission re-opened and proof of delivery.
   04/26/2018   2 B [Redacted] 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 C B C B C B C A Non QM Non QM Yes
203204363 [Redacted] [Redacted] 6235184 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 620 is less than Guideline representative FICO score of 660. 620 (lower of 2 Borrowers middle scores) < 680 Portfolio Select Bank Statement Cash-out program.  Lender's product and pricing based on 620 score.   Lender's exception approval not in file. Borrower on this Bank Statement documentation loan has a disposable income of $9,473.43 Reviewer Comment (2018-04-26): Received Credit Risk Summary & Exception Approval. Credit Score < program requirements. Compensating Factors: 1) Payment Shock. 2) Residual Income.
     04/26/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204363 [Redacted] [Redacted] 6235222 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Missing evidence of the monthly HOA dues for the REO property located at [REDACTED].   Reviewer Comment (2018-05-01): HOA Verification has been provided.
 05/01/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204364 [Redacted] [Redacted] 6248637 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Security Instrument not provided   Signed and Notarized Security Agreement is not evident.   Reviewer Comment (2018-04-26): Fully executed Security Instrument, PUD Rider and ARM Rider have been provided.
 04/26/2018     1 A [Redacted] NC Primary Purchase   D B D B C A C A Non QM Non QM No
203204364 [Redacted] [Redacted] 6248728 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Primary Purchase   D B D B C A C A Non QM Non QM No
203204364 [Redacted] [Redacted] 6248749 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED], Borrower: [REDACTED]  Telephone Listing / Internet Search / Directory Assistance, VVOE - Employment Only
Paystubs (2018), Telephone Listing / Internet Search / Directory Assistance, VVOE - Employment Only		 Missing Verification of employment for both borrower's 10 days prior to closing, including self employment and wage earner income. Also missing paystubs and or WVOE for co-borrower.   Reviewer Comment (2018-04-26): Received Local 798 VVOE covers both borrowers verified via IMBD


Buyer Comment (2018-04-26): This was pulled on 3/27/2018 (see date stamp in upper left hand corner


Reviewer Comment (2018-04-26): Third Party Verification of borrower's employer is all that was provided.  Exception remains.
 04/26/2018     1 A [Redacted] NC Primary Purchase   D B D B C A C A Non QM Non QM No
203204364 [Redacted] [Redacted] 6248900 [Redacted] [Redacted] Credit Property - Appraisal Appraisal Documentation Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. Valuation Type: Appraisal / Valuation Report Date: [Redacted] Subject is New Construction and Final 442 Inspection of Completion is not evident.   Reviewer Comment (2018-04-26): Final Inspection (442) has been provided.
 04/26/2018     1 A [Redacted] NC Primary Purchase   D B D B C A C A Non QM Non QM No
203204364 [Redacted] [Redacted] 6249758 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 54.30188% exceeds Guideline total debt ratio of 43.00000%. DTI exceeds 43% Residual income, reserves. Reviewer Comment (2018-05-18): Rec'd exception for DTI exceeds program guidelines.  Used 2 year plus YTD average of borrower's W-2 income due to fluctuations.
     05/18/2018 2 B [Redacted] NC Primary Purchase   D B D B C A C A Non QM Non QM No
203204364 [Redacted] [Redacted] 6250300 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/413524) P&I payment for payment stream does not match the actual payment of $2528.   Reviewer Comment (2018-04-29): Rounded minimum payment of CD for Payment Stream 3 matches calculated rounded payment
 04/29/2018     1 A [Redacted] NC Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable D B D B C A C A Non QM Non QM Yes
203204364 [Redacted] [Redacted] 6250301 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/413525) P&I payment for payment stream does not match the actual payment of $2528.   Reviewer Comment (2018-04-29): Rounded minimum payment of CD for Payment Stream 4 matches calculated rounded payment
 04/29/2018     1 A [Redacted] NC Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable D B D B C A C A Non QM Non QM Yes
203204364 [Redacted] [Redacted] 6250318 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI outside guidelines.   Reviewer Comment (2018-05-18): Rec'd DTI exception.
 05/18/2018     1 A [Redacted] NC Primary Purchase Lender to provide updated ATR/QM status D B D B C A C A Non QM Non QM Yes
203204364 [Redacted] [Redacted] 6250319 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI outside guidelines.   Reviewer Comment (2018-05-18): Rec'd DTI exception.
 05/18/2018     1 A [Redacted] NC Primary Purchase   D B D B C A C A Non QM Non QM No
203204364 [Redacted] [Redacted] 6256255 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 41.84683% exceeds Guideline housing ratio of 35.00000%. Housing Ratio differs due to income calculation discrepancy. Average one year income used due to declining income. Residual income, reserves. Reviewer Comment (2018-05-21): Exception approval for DTI
     05/21/2018 2 B [Redacted] NC Primary Purchase   D B D B C A C A Non QM Non QM No
203204364 [Redacted] [Redacted] 6256507 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   Unable to determine vesting due to missing Security Agreement.   Reviewer Comment (2018-04-26): Security Instrument has been provided and vesting is correct.
 04/26/2018     1 A [Redacted] NC Primary Purchase   D B D B C A C A Non QM Non QM No
203204365 [Redacted] [Redacted] 6253127 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Transcripts (2015), Transcripts (2016)     Reviewer Comment (2018-04-27): Received


Reviewer Comment (2018-04-26): Rec'd 4506T, still need transcripts.
 04/27/2018     1 A [Redacted] OR Primary Purchase   C A C A A A A A Non QM Non QM No
203204366 [Redacted] [Redacted] 6225608 [Redacted] [Redacted] Compliance Compliance State Compliance (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender.     Reviewer Comment (2018-04-26): Received
 04/26/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other To Remediate: Lender must sign the AFMV.  Best practices would be to deliver to the borrower the required disclosure signed by the lender. C B C B C B C A Non QM Non QM Yes
203204366 [Redacted] [Redacted] 6260890 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing 2017 1099 referred to in the CPA letter dated 03/25/2018. (business changed from K-1 to 1099 income)   Reviewer Comment (2018-05-01): Received
 05/01/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204366 [Redacted] [Redacted] 6261225 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Issue:  Refinance seasoning requirements not met   Credit Risk Summary & Exception Approval in file, page 289. Seasoning requirement not met. Compensating Factors: 1) DTI. 2) Stable Employment History. 43.223% < 45% maximum DTI Reviewer Comment (2018-04-23): Compensating Factors: 1) DTI. 2) Stable Employment History.
     04/23/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204366 [Redacted] [Redacted] 6261371 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204366 [Redacted] [Redacted] 6261424 [Redacted] [Redacted] 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. Document not found in file, only have receipt signed by Borrower at Closing.           2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204367 [Redacted] [Redacted] 6241183 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Interest TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose figures for prepaid interest under Prepaids. (Final/xx/xx/xxxx) Section F, Line 03, Prepaid Interest to date field is blank           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Non QM Non QM Yes
203204367 [Redacted] [Redacted] 6241184 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses a higher $7,800.00 State/Tax Stamp amount paid by Seller at closing vs $5,850.00 disclosed on Consumer's CD           2 B [Redacted] FL Primary Purchase   B B A A B B A A Non QM Non QM Yes
203204367 [Redacted] [Redacted] 6258800 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Purchase No Defined Cure B B A A B B A A Non QM Non QM No
203204368 [Redacted] [Redacted] 6236896 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C A A A C A C A Non QM Non QM No
203204368 [Redacted] [Redacted] 6256397 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $35.00   Reviewer Comment (2018-04-25): Received Attestation letter
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203204368 [Redacted] [Redacted] 6256398 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $35.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77208) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-25): Received Attestation letter
 04/25/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203204369 [Redacted] [Redacted] 6245654 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] OK Primary Purchase   C B A A B B C A Non QM Non QM No
203204369 [Redacted] [Redacted] 6245984 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 7.05270% or Final Disclosure APR of 7.05700% is in excess of allowable threshold of APOR 4.42% + 1.5%, or 5.92000%.  Compliant Higher Priced Loan. Disclosed APR 7.05700% and Calculated APR 7.05270% > 5.92000% Tolerance           2 B [Redacted] OK Primary Purchase   C B A A B B C A Non QM Non QM No
203204369 [Redacted] [Redacted] 6245985 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosed 12 month Homeowner’s Insurance Premium of $2,015.91 should be $2,015.04 @ $167.92 per month.           2 B [Redacted] OK Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203204369 [Redacted] [Redacted] 6245987 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Consumer CD discloses no fees paid by Seller at closing.  Seller CD discloses a total $687.50 in closing costs paid at closing not disclosed on Consumer CD.           2 B [Redacted] OK Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204369 [Redacted] [Redacted] 6258814 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] OK Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203204370 [Redacted] [Redacted] 6254479 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203204370 [Redacted] [Redacted] 6260189 [Redacted] [Redacted] Compliance Compliance Federal Compliance TILA LO Compensation (Dual Compensation) Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer.     Reviewer Comment (2018-04-29): Updated input
 04/29/2018     1 A [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203204370 [Redacted] [Redacted] 6260190 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Missing third party verification of employment.   Reviewer Comment (2018-04-30): Received
 04/30/2018     1 A [Redacted] SC Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Non QM Non QM Yes
203204370 [Redacted] [Redacted] 6260192 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Employment - Bank Statements Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. ([REDACTED]/Bank Statements) Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.   Reviewer Comment (2018-04-30): Received
 04/30/2018     1 A [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203204370 [Redacted] [Redacted] 6260193 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing third party verification of employment.   Reviewer Comment (2018-04-30): Received
 04/30/2018     1 A [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203204370 [Redacted] [Redacted] 6260194 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing e-consent   Reviewer Comment (2018-04-25): 04/25/2018 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 04/25/2018     1 A [Redacted] SC Primary Purchase No Defined Cure C B C A C B C A Non QM Non QM No
203204370 [Redacted] [Redacted] 6260199 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) The seller's CD reflects $21,574.14 whereas the borrower's CD reflects $19,905.64.           2 B [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM Yes
203204370 [Redacted] [Redacted] 6266074 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Telephone Listing / Internet Search / Directory Assistance Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.   Reviewer Comment (2018-04-25): Received third party verification in trailing documents.


Buyer Comment (2018-04-25): uploaded 3rd party VOE along with evidence VOE was done on 3/23/18 and uploaded into Encompass.
 04/25/2018     1 A [Redacted] SC Primary Purchase   C B C A C B C A Non QM Non QM No
203204371 [Redacted] [Redacted] 6248241 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203204371 [Redacted] [Redacted] 6248503 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.85730% or Final Disclosure APR of 6.93700% is in excess of allowable threshold of APOR 4.40% + 1.5%, or 5.90000%.  Non-Compliant Rate Spread Home Loan.     Reviewer Comment (2018-04-25): Updated input with attestation letter
 04/25/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203204371 [Redacted] [Redacted] 6248504 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium. Permissible for loans where the lender is paying the premium.   Reviewer Comment (2018-04-25): Updated input with attestation letter
 04/25/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203204371 [Redacted] [Redacted] 6248505 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosure reflects TIP of 133.605% but calculated TIP is 131.390%, which is outside of .003% tolerance.  Used Index Value = 2.469 per Rate Lock confirmation document in file.           2 B [Redacted] NC Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204371 [Redacted] [Redacted] 6248506 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) No tolerance violation of Loan Discount Point due to valid change of circumstance as borrower requested a loan amount increase.   Reviewer Comment (2018-04-25): Updated COC date
 04/25/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204371 [Redacted] [Redacted] 6248508 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,878.50 exceeds tolerance of $1,785.00.  Insufficient or no cure was provided to the borrower. (7200) No tolerance violation of Loan Discount Point due to valid change of circumstance as borrower requested a loan amount increase.   Reviewer Comment (2018-04-25): Updated COC date
 04/25/2018     1 A [Redacted] NC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203204371 [Redacted] [Redacted] 6287720 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 6.85730% or Final Disclosure APR of 6.93700% is in excess of allowable threshold of APOR 4.40% + 1.5%, or 5.90000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203204372 [Redacted] [Redacted] 6245571 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] UT Primary Refinance - Cash-out - Debt Consolidation   C B C B B B C A Non QM Non QM No
203204372 [Redacted] [Redacted] 6245847 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Final Closing Disclosure provided shows 12 month. Should be corrected to show 2.01 month.           2 B [Redacted] UT Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203204372 [Redacted] [Redacted] 6259398 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.15 is less than Guideline PITIA months reserves of 6.00.   25.48% DTI on this Bank Statement documentation loan < 45% guideline max Reviewer Comment (2018-04-26): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Credit History. 2) DTI. 3) Stable Employment History.
     04/26/2018 2 B [Redacted] UT Primary Refinance - Cash-out - Debt Consolidation   C B C B B B C A Non QM Non QM No
203204373 [Redacted] [Redacted] 6239021 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing verified housing history last twelve (12) months: 1 x 30 for Borrower ([REDACTED]) @ [REDACTED] 38.849% DTI on this Bank Statement documentation loan < 45% guideline max

$16,993.83 Residual income on Bank Statement loan		 Reviewer Comment (2018-04-26): Received Credit Risk Summary & Exception Approval. Insufficient housing history verification. Compensating Factors: 1) DTI. 2) Residual Income.
     04/26/2018 2 B [Redacted] CO Second Home Purchase   C B C B B B C A Non QM Non QM No
203204373 [Redacted] [Redacted] 6239560 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CO Second Home Purchase   C B C B B B C A Non QM Non QM No
203204373 [Redacted] [Redacted] 6239905 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-26): Received
 04/26/2018     1 A [Redacted] CO Second Home Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203204373 [Redacted] [Redacted] 6239907 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller's CD discloses $150.00 MLS fee paid by Seller at closing not disclosed on Seller's CD           2 B [Redacted] CO Second Home Purchase   C B C B B B C A Non QM Non QM Yes
203204374 [Redacted] [Redacted] 6232514 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] AZ Primary Purchase   C B C B A A C A Non QM Non QM No
203204374 [Redacted] [Redacted] 6240206 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 588 is less than Guideline representative FICO score of 600. FICO score does not meet minimum of 600 and exception approval is not evident. stable employment history, residual income Reviewer Comment (2018-04-26): Rec'd exception for:  Credit score < program requirements and Missing VVOE within 10 days of closing.
     04/26/2018 2 B [Redacted] AZ Primary Purchase   C B C B A A C A Non QM Non QM No
203204374 [Redacted] [Redacted] 6254206 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] VVOE - Employment Only Missing VVOE within 10 calendar days of closing.  Most recent VVOE in file dated 03/23/2018; expired 04/02/2018.  Loan closed xx/xx/xxxx. stable employment history, residual income Reviewer Comment (2018-04-26): Rec'd exception for:  Credit score < program requirements and Missing VVOE within 10 days of closing.
     04/26/2018 2 B [Redacted] AZ Primary Purchase   C B C B A A C A Non QM Non QM No
203204375 [Redacted] [Redacted] 6244758 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-23): Property inspected 2/19/18
     04/23/2018 2 B [Redacted] CA Primary Refinance - Rate/Term   B B B B B B A A Non QM Non QM No
203204375 [Redacted] [Redacted] 6244959 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] CA Primary Refinance - Rate/Term No Defined Cure B B B B B B A A Non QM Non QM No
203204375 [Redacted] [Redacted] 6244960 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 4, # of mos. field is blank.  $8,578.06 Property Taxes paid by Borrower at closing           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure B B B B B B A A Non QM Non QM Yes
203204376 [Redacted] [Redacted] 6248486 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203204376 [Redacted] [Redacted] 6248791 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xx/xx/xxxx) Initial CD was not provided.   Reviewer Comment (2018-04-30): A preliminary CD has been provided.


Reviewer Comment (2018-04-26): Please provide CD dated xx/xx/xxxx as per Tracking tool, document not found in the loan file. (CD in file dated xx/xx/xxxx is not for this transaction)
 04/30/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B C A C A Non QM Non QM No
203204376 [Redacted] [Redacted] 6248792 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7725) Fee was not disclosed on Loan Estimate, however, sufficient cure was provided.       04/20/2018   1 A [Redacted] FL Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B C A C A Non QM Non QM Yes
203204376 [Redacted] [Redacted] 6251484 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 654 is less than Guideline representative FICO score of 660. FICO score does not meet minimum score, for cash -out refinance, of 660. No Exception Approval is evident. Borrower on this Bank Statement documentation loan has a disposable income of $5,978.45 Reviewer Comment (2018-04-26): Received Credit Risk Summary & Exception Approval. Credit Score < program requirements. Compensating Factors: 1) Payment Shock. 2) Residual Income.
     04/26/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203204376 [Redacted] [Redacted] 6252295 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Consent Agreement was not provided.   Reviewer Comment (2018-04-26): Received
 04/26/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B C B C A C A Non QM Non QM No
203204376 [Redacted] [Redacted] 6254707 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility 1003 Error: Citizenship  was not provided   Initial and Final 1003 indicate Borrower is a US Citizen, however, file includes a copy of Borrower's Permanent Resident Alien card.           2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203204376 [Redacted] [Redacted] 6254718 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility 1003 Error: Citizenship Source Documentation  was not provided   Missing copy of back side of Green card, as well as, missing US Issued VISA; required for Permanent Resident Aliens.           2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203204377 [Redacted] [Redacted] 6246183 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203204377 [Redacted] [Redacted] 6246330 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx) Seller's CD and Consumer's CD disclose $0.00 closing costs paid by Seller at closing   Reviewer Comment (2018-04-25): Received attestation letter for no seller paid fees, reviewed with CHD
 04/25/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204377 [Redacted] [Redacted] 6246331 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for $84.00 total Zero Percent tolerance.   Reviewer Comment (2018-04-26): Lender Attestation that policy Guarantee and Doc Prep fees were required by the vendor selected by the borrowers has been provided.  No zero percent tolerance violation exists.
 04/26/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204377 [Redacted] [Redacted] 6246332 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) $75.00 Title - Document Preparation Fee not disclosed on Loan Estimate dated 3/9/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $75.00 tolerance.   Reviewer Comment (2018-04-26): Lender Attestation that policy Guarantee and Doc Prep fees were required by the vendor selected by the borrowers has been provided.  No zero percent tolerance violation exists.
 04/26/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203204377 [Redacted] [Redacted] 6256543 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) $9.00 Title - Policy Guaranty Fee not disclosed on Loan Estimate dated 3/9/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $9.00 tolerance.   Reviewer Comment (2018-04-26): Lender Attestation that policy Guarantee and Doc Prep fees were required by the vendor selected by the borrowers has been provided.  No zero percent tolerance violation exists.
 04/26/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203204377 [Redacted] [Redacted] 6256546 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Confirmed interest entered match the final CD on file           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203204378 [Redacted] [Redacted] 6257585 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TN Second Home Purchase   C A A A A A C A Non QM Non QM No
203204379 [Redacted] [Redacted] 6259079 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-04-26): recd flood cert
 04/26/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203204379 [Redacted] [Redacted] 6259085 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.96935% exceeds Guideline total debt ratio of 45.00000%. 45.97% > 45% Non-Prime program.   Lender's 46.49% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 675 Credit Score, Credit History, 176% Payment Shock and $8,756.58 Residual Income XXX representative FICO score > XXX guideline minimum - XX points above guideline minimum

Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx		 Reviewer Comment (2018-04-24): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 675 Credit Score, Credit History, 176% Payment Shock and $8,756.58 Residual Income
     04/24/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203204379 [Redacted] [Redacted] 6259089 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203204379 [Redacted] [Redacted] 6259092 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 03/28/2018, Transaction 3/28/2018 Hazard Insurance Policy Effective Date / Policy Period From Date > 3/26/2018 Transaction and Disbursement Date   Reviewer Comment (2018-05-03): A revised dec page with the corrected effective date has been provided.
 05/03/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203204379 [Redacted] [Redacted] 6259143 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-04-26): rec'd e-consent
 04/26/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203204379 [Redacted] [Redacted] 6259151 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses $1,526.00 Home Repairs fee paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203204379 [Redacted] [Redacted] 6273271 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.85 is less than Guideline PITIA months reserves of 6.00. 5.85 months < 6 months Non-Prime program.  Lender's reserve calculation not referenced on Lender's Credit Risk Summary & Exception Approval in file. Guideline variance approved by lender at time of origination. DTI does exceed 45% but meets the exception policy based on credit score > 600 minimum, no late payments after bankruptcy xx/xx/xxxx, payment shock < 350% and residual income > $1,500. Reviewer Comment (2018-04-26): Rec'd exception for Reserve Requirements not Met.
     04/26/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203204380 [Redacted] [Redacted] 6259899 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A Non QM Non QM No
203204380 [Redacted] [Redacted] 6267825 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing signed borrower's e-consent.   Reviewer Comment (2018-04-26): Received
 04/26/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C A C A C A C A Non QM Non QM No
203204380 [Redacted] [Redacted] 6274884 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   Deed of Trust has "[Redacted], a married man as his sole and separate property", but Preliminary Title has "[Redacted], husband and wife as joint tenants".   Reviewer Comment (2018-05-02): Received
 05/02/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C A C A C A C A Non QM Non QM No
203204380 [Redacted] [Redacted] 6276119 [Redacted] [Redacted] 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. Spouse did not sign Right to Cancel   Reviewer Comment (2018-05-02): Received Interspousal Transfer Grant Deed
 05/02/2018     1 A [Redacted] 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 C A C A C A C A Non QM Non QM Yes
203204381 [Redacted] [Redacted] 6242519 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CO Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203204383 [Redacted] [Redacted] 6229060 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Purchase   C B C B C A C A Non QM Non QM No
203204383 [Redacted] [Redacted] 6234999 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Fees exceed tolerance by $212.50 and no cure was provided.   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203204383 [Redacted] [Redacted] 6235000 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $62.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77185) Fee was not disclosed on LE and no cure provided   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203204383 [Redacted] [Redacted] 6235001 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726) Fee was not disclosed on LE and no cure provided   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203204383 [Redacted] [Redacted] 6235283 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   Mortgage for [REDACTED] was excluded from debts as being paid by business however sufficient documentation was not provided. Guidelines require 6 months proof of debt paid by business and only 2 months worth of business bank statements was provided. Provide additional 4 months of business statements confirming mortgage debt paid by business. [Redacted] LTV < 80% guideline max

Borrower on this Full documentation loan has a disposable income of $8,196.16		 Reviewer Comment (2018-04-27): Received Credit Risk Summary & Exception Approval. Excluded payment to [REDACTED] mortgage with less than required 6 months for debt paid by business. Compensating Factors: 1) LTV. 2) Residual Income.
     04/27/2018 2 B [Redacted] CA Primary Purchase   C B C B C A C A Non QM Non QM No
203204385 [Redacted] [Redacted] 6220381 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] SC Primary Purchase   C B A A B B C A Non QM Non QM No
203204385 [Redacted] [Redacted] 6225709 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer CD reflects $1,658.35, Seller CD reflects $28,236.60           2 B [Redacted] SC Primary Purchase   C B A A B B C A Non QM Non QM Yes
203204385 [Redacted] [Redacted] 6226710 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx) Consent 2/13/18, LE sent electronically 2/9/18           2 B [Redacted] SC Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203204386 [Redacted] [Redacted] 6239610 [Redacted] [Redacted] Credit Credit Credit Eligibility Guideline Issue:  Foreclosure timeline outside of credit guidelines   Borrower's previous home went into Foreclosure and home had a short sale on xx/xx/xxxx.   Seasoning requirements are 2 years based on Guideline. Residual income is $35,679 monthly.

DTI is below guideline requirements of 40/45%.   DTI is 14/22%		 Reviewer Comment (2018-04-21): Credit Risk Summary & Exception approval p266
     04/21/2018 2 B [Redacted] CA Primary Purchase   C B C B A A A A Non QM Non QM No
203204387 [Redacted] [Redacted] 6265690 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C A A A C A C A Non QM Non QM No
203204387 [Redacted] [Redacted] 6265843 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing borrower signed e-consent.   Reviewer Comment (2018-04-26): Received
 04/26/2018     1 A [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C A A A C A C A Non QM Non QM No
203204387 [Redacted] [Redacted] 6274559 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) 625.00 + 30.00 + 20.00   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203204387 [Redacted] [Redacted] 6274560 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $20.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203204387 [Redacted] [Redacted] 6274562 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77190) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203204387 [Redacted] [Redacted] 6274563 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $625.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7729) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203204388 [Redacted] [Redacted] 6250604 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204388 [Redacted] [Redacted] 6270050 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing recent 12 month VOM for [REDACTED] prior to 3/2018 payoff.  Account rated 2 months as of 2/2018 last activity date.   10 months payment activity from 2/2017 to 1/2018 is not reported to bureaus or documented in file. Credit history, reserves. Reviewer Comment (2018-05-18): Rec'd exception for insufficient housing history verification.  Loan opened in 2004, shows 0 x 30.
     05/18/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204388 [Redacted] [Redacted] 6270477 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $36.50 net difference. Seller's CD discloses a $41.00 Recording fee paid by Seller at closing not disclosed on Consumer's CD. Consumer CD discloses a $4.50 Title - Title Guaranty fee paid by Seller at closing not disclosed on Seller's CD           2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM Yes
203204388 [Redacted] [Redacted] 6271863 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification within 10 days for Sole Proprietorship Credit history, reserves. Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18


Reviewer Comment (2018-05-20): Received Letter from [REDACTED] Attorney at Law, for Coborrower VVOE, however it is undated


Reviewer Comment (2018-05-18): Rec'd borrower's VVOE.  Missing co-borrower's for sole proprietorship.
     05/20/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203204390 [Redacted] [Redacted] 6263379 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 5, # of mos. field is blank.  $4,802.08 Property Taxes paid by Borrower at closing           2 B [Redacted] AZ Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203204390 [Redacted] [Redacted] 6268413 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $70.00 exceeds tolerance of $50.00 plus 10% or $55.00.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $15.00 Lender cure credit for tolerance       04/23/2018   1 A [Redacted] AZ Primary Refinance - Rate/Term Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203204390 [Redacted] [Redacted] 6271694 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $450,000.00 dwelling coverage < $531,000.00 original loan amount $617,198.00 cost to rebuild.    Allstate Declaration of Insurance in file does not indicate evidence of extended dwelling coverage or 100% Guaranteed Replacement Cost coverage.   Reviewer Comment (2018-04-26): Replacement Cost Estimator provided on 04/25/2018.
 04/26/2018     1 A [Redacted] AZ Primary Refinance - Rate/Term   C B C B B B A A Non QM Non QM No
203204390 [Redacted] [Redacted] 6271833 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing annual property tax, hazard insurance and HOA for [REDACTED] to support maximum $750.00 tax/ins/HOA per 1003. Copies of Nationstar 1st and 2nd mortgage statements not in file verifying $1,503.00 and $238.00 payment amounts include escrows for taxes/ins/HOA   Reviewer Comment (2018-05-09): Verification of HOA fee has been provided.


Reviewer Comment (2018-04-26): Mortgage statement was provided to verify T & I are escrowed, however, still missing verification of HOA.  Final 1003 reflects an additional $750.00 a month for property maintenance not accounted for.  If no HOA please provide required LOE.
 05/09/2018     1 A [Redacted] AZ Primary Refinance - Rate/Term   C B C B B B A A Non QM Non QM No
203204390 [Redacted] [Redacted] 6271897 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.98 is less than Guideline PITIA months reserves of 6.00. 4.98 months < 6 months Portfolio Select Bank Statement program.  Lender's 6 months calculation is not supported by asset verification in file.[REDACTED] 401(k) excluded from reserves.  12/21/2017 statement/summary > 90 days old on [Redacted] Note date. Borrower on this Bank statement documentation loan has a disposable income of $53,882.68

11.43% DTI on this Bank statement documentation loan < 45% guideline max - 33.57% below program guideline maximum		 Reviewer Comment (2018-04-26): Lender exception approval provided on 04/24/2018.
     04/26/2018 2 B [Redacted] AZ Primary Refinance - Rate/Term   C B C B B B A A Non QM Non QM No
203204392 [Redacted] [Redacted] 6266047 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203204392 [Redacted] [Redacted] 6266391 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Bankruptcy Documents not provided   Not provided   Reviewer Comment (2018-04-26): NA


Buyer Comment (2018-04-25): Bk was over 36 months ago BK docs not required
 04/26/2018     1 A [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203204392 [Redacted] [Redacted] 6283582 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Not provided   Reviewer Comment (2018-04-25): 04/25/2018 - Received in trailing documents evidence disclosure was provided to borrower. Disclosure is date compliant. Exception cleared.
 04/25/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203204392 [Redacted] [Redacted] 6292456 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on xx/xx/xxxx was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/xx/xx/xxxx) ADDED [Redacted] Following receipt of E-Consent signed by borrower.           2 B [Redacted] GA Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203204393 [Redacted] [Redacted] 6230705 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] NC Primary Purchase   C B A A B B C A Non QM Non QM No
203204393 [Redacted] [Redacted] 6230821 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.71530% or Final Disclosure APR of 7.72200% is in excess of allowable threshold of APOR 4.17% + 1.5%, or 5.67000%.  Compliant Rate Spread Home Loan. Compliance report cites the same violation           2 B [Redacted] NC Primary Purchase   C B A A B B C A Non QM Non QM No
203204393 [Redacted] [Redacted] 6230822 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not provided           2 B [Redacted] NC Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203204394 [Redacted] [Redacted] 6219555 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204394 [Redacted] [Redacted] 6219578 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Borrower Eligibility 1003 Error: Citizenship  was not provided   The inital and final Application reflects the borrower is not a US citizen or Permanent Residence Alien. Documentation supporting legal residence was not provided.           2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204394 [Redacted] [Redacted] 6219941 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 117.73900% > Calculated TIP 112.18000%.   Reviewer Comment (2018-04-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.
   04/26/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204394 [Redacted] [Redacted] 6226080 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure AIR Table Minimum Interest Rate TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (Final/xx/xx/xxxx) Closing Disclosure minimum interest rate 5%.  ARM Note does not disclose a minimum rate.  Review based on 4% margin.   Reviewer Comment (2018-04-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.
   04/26/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203204394 [Redacted] [Redacted] 6226081 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/410108) Closing Disclosure minimum interest rate 5%.  ARM Note does not disclose a minimum rate.  Review based on 4% margin.   Reviewer Comment (2018-04-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.
   04/26/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203204394 [Redacted] [Redacted] 6226082 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/410109) Closing Disclosure minimum interest rate 5%.  ARM Note does not disclose a minimum rate.  Review based on 4% margin.   Reviewer Comment (2018-04-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.
   04/26/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203204394 [Redacted] [Redacted] 6226083 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/410110) Closing Disclosure minimum interest rate 5%.  ARM Note does not disclose a minimum rate.  Review based on 4% margin.   Reviewer Comment (2018-04-26): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.
   04/26/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203204394 [Redacted] [Redacted] 6245996 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 652 is less than Guideline representative FICO score of 660. 652 per Lender's credit report < 660 Portfolio Select Bank Statement Cash-out  Owner Occupied Refinance program. 652 score used for product and pricing by Lender.  Exception not acknowledged by Lender. Residual income, payment shock. Reviewer Comment (2018-04-26): Rec'd exception for credit score < program requirements.
     04/26/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203204395 [Redacted] [Redacted] 6226182 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Primary Purchase   C A A A C A C A Non QM Non QM No
203204395 [Redacted] [Redacted] 6226791 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Total Closing costs exceeds legal limit not notated. Lender did not disclose a legal limit overage amount. Settlement Services provided by a shopped vendor not listed on SSPL   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203204395 [Redacted] [Redacted] 6226792 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Settlement Services provided by a shopped vendor not listed on SSPL. Cure not required   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203204395 [Redacted] [Redacted] 6226793 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Settlement Services provided by a shopped vendor not listed on SSPL. Cure not required   Reviewer Comment (2018-04-26): Received Attestation letter
 04/26/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203204396 [Redacted] [Redacted] 6229751 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203204397 [Redacted] [Redacted] 6226474 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-12): Received CDA within 10% tolerance
 05/12/2018     1 A [Redacted] AZ Primary Purchase   C B C B B B C A Non QM Non QM No
203204397 [Redacted] [Redacted] 6226805 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) 19,339.50 < 25,612.77           2 B [Redacted] AZ Primary Purchase   C B C B B B C A Non QM Non QM Yes
203204397 [Redacted] [Redacted] 6255886 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $118,837.94 is less than Cash From Borrower $127,836.71. Documentation not provided for large deposits into [REDACTED] #xxxx ($7,411.00 and $9,785.12) on 03/09/2018. Borrower on this (Documentation Type) documentation loan has a disposable income of $10,337.87.

36.5 months reserves > 6 months guideline minimum - borrowers have verified reserves of $123,004.96		 Reviewer Comment (2018-05-03): Client elects to waive requirement for documentation of source of deposits.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:  Residual income; reserves.


Reviewer Comment (2018-04-27): Deposits have been backed out, leaving borrower with $118,837.94 in liquid assets for closing which is insufficient to meet cash required at closing of $127,836.71.   (Note:  This includes the deposit which has been verified. Documentation of additional assets is required.
     05/03/2018 2 B [Redacted] AZ Primary Purchase   C B C B B B C A Non QM Non QM No
203226794 [Redacted] [Redacted] 6258282 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203226794 [Redacted] [Redacted] 6258293 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 No declared end date Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-23): Inspection date of 3/12/18
     04/23/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203226794 [Redacted] [Redacted] 6258303 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-1,500.00. (9300) Lender credit shown on LE's was not included on CD's, there is a Lender credit incorrectly located in the Summaries of Transactions Section L under Other Credits on CD's dated xx/xx/xxxx and xx/xx/xxxx.   Reviewer Comment (2018-04-26): Rec'd LOE, corrected CD and evidence of emailing.
   04/26/2018   2 B [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203226794 [Redacted] [Redacted] 6258304 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $66,111.95 < $67,524.00           2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM Yes
203226794 [Redacted] [Redacted] 6258315 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Lender $1,500 credit disclosed on LE's not in correct section of CD's.   Reviewer Comment (2018-04-26): Rec'd LOE, corrected CD and evidence of emailing.
   04/26/2018   2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203226794 [Redacted] [Redacted] 6265456 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.84 is less than Guideline PITIA months reserves of 6.00. 50% of 401k assets can be used Borrower on this Full documentation loan has a disposable income of $13,378.41 Reviewer Comment (2018-04-26): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) Residual Income. 2) Stable Employment History.
     04/26/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203226795 [Redacted] [Redacted] 6269804 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] IL Investment Refinance - Rate/Term   C A A A     C A     No
203226796 [Redacted] [Redacted] 6277134 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203226797 [Redacted] [Redacted] 6270647 [Redacted] [Redacted] Credit Insurance Insurance Documentation Missing Document: Flood Insurance Policy not provided   Missing complete policy   Reviewer Comment (2018-05-18): Rec'd evidence of flood insurance.


Reviewer Comment (2018-04-27): Document provided does not indicate an effective date or expiration date of the flood coverage.  Exception remains.
 05/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203226797 [Redacted] [Redacted] 6271911 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 FEMA Disaster does not declare an end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-25): Appraisal Effective date 2/7/18
     04/25/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203226797 [Redacted] [Redacted] 6277559 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/04/02/2018) Appraisal revised report date [Redacted] appraisal provided date [Redacted]           2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203226797 [Redacted] [Redacted] 6277562 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Number of months for City Property Tax under Prepaids was not provided.           2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203226797 [Redacted] [Redacted] 6277563 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $125 was disclosed however fees in exceeds of limit was $410   Reviewer Comment (2018-05-22): Received revised Right to Cancel.


Reviewer Comment (2018-05-18): The revised RTC was delivered to the borrower 5/12/18 and has an expiration date of 5/15/18, which is not 3 days.  The RTC must reflect a 3 full day right to rescind based on the delivery date and not the sent date.  Unable to cure.


Reviewer Comment (2018-05-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.  The delivery date is xx/xx/xxxx, therefore the RTC expiration date should be 5/11/18.  Need evidence rescission re-opened and proof of delivery.
   05/22/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203226797 [Redacted] [Redacted] 6277646 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203226797 [Redacted] [Redacted] 6283204 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $410.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7507) Fee was not disclosed on LE an no cure was provided.   Reviewer Comment (2018-05-22): Received revised Right to Cancel.


Reviewer Comment (2018-05-18): The revised RTC was delivered to the borrower 5/12/18 and has an expiration date of 5/15/18, which is not 3 days.  The RTC must reflect a 3 full day right to rescind based on the delivery date and not the sent date.  Unable to cure.


Reviewer Comment (2018-05-08): Rec'd corrected CD, LOE to the borrower, copy of refund check, evidence rescission re-opened and proof of delivery.  The delivery date is 5/8/18, therefore the RTC expiration date should be 5/11/18.  Need evidence rescission re-opened and proof of delivery.
   05/22/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203226797 [Redacted] [Redacted] 6305253 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Miscellaneous Compliance:  Non-Material Compliance Exception:   Final CD reflects flood insurance prepaid amount is for two months, while it appears the annual premium of $1,906 was collected.  Provide a post-close CD correcting the number of months of flood premium collected under prepaids, a copy of the letter of explanation to the borrower disclosing the changes made and evidence of delivery.   Reviewer Comment (2018-05-18): This was not corrected on the PC CD dated 5/11/18.
       2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203226797 [Redacted] [Redacted] 6557662 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/416600) Rec'd increased flood policy post closing   Reviewer Comment (2018-05-22): Received revised Right to Cancel.


Reviewer Comment (2018-05-18): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.

The revised RTC was delivered to the borrower 5/12/18 and has an expiration date of 5/15/18, which is not 3 days.  The RTC must reflect a 3 full day right to rescind based on the delivery date and not the sent date.  Unable to cure.
   05/22/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203226797 [Redacted] [Redacted] 6557663 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/416600) Rec'd increased flood policy post closing   Reviewer Comment (2018-05-22): Received revised Right to Cancel.


Reviewer Comment (2018-05-18): Rec'd LOE, corrected CD, evidence rescission re-opened and proof of delivery.

The revised RTC was delivered to the borrower 5/12/18 and has an expiration date of 5/15/18, which is not 3 days.  The RTC must reflect a 3 full day right to rescind based on the delivery date and not the sent date.  Unable to cure.
   05/22/2018   2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203226798 [Redacted] [Redacted] 6278490 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C A C A B A C A Non QM Non QM No
203226798 [Redacted] [Redacted] 6292237 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] 1084 or income worksheet     Reviewer Comment (2018-05-01): Income Worksheet has been provided.


Reviewer Comment (2018-05-01): Document provided is a Funding Worksheet, not an income worksheet as was requested.
 05/01/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C A C A B A C A Non QM Non QM No
203226798 [Redacted] [Redacted] 6292254 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Unable to locate   Reviewer Comment (2018-05-01): Evidence of all borrowers' consent has been provided.
 05/01/2018     1 A [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C A C A B A C A Non QM Non QM No
203226800 [Redacted] [Redacted] 6278864 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.97 is less than Guideline PITIA months reserves of 6.00. Calculated months reserve of 1.97 is less than Guideline required 6 months reserves, but meets the exception policy based on compensating factors of $4,930.04 > $3,0000 Residual Income, 27 years of Self Employment for co-borrower and has paid Interest Only mortgage since 2015. Lender exception in file. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-26): Credit Risk Summary & Exception approval p300
     04/26/2018 2 B [Redacted] CA Investment Refinance - Cash-out - Home Improvement   C B C B A A A A N/A N/A No
203226800 [Redacted] [Redacted] 6287364 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Borrower does not meet guideline requirements for Interest Only. Interest Only not permitted on non-owner occupied properties. Does not meet minimum loan amount of $453,100 for Interest Only. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-26): Credit Risk Summary & Exception approval  p300
     04/26/2018 2 B [Redacted] CA Investment Refinance - Cash-out - Home Improvement   C B C B A A A A N/A N/A No
203226800 [Redacted] [Redacted] 6298326 [Redacted] [Redacted] Credit Guideline Guideline Issue Loan product type is ineligible per guidelines.   7/1 ARM not available on Portfolio Select Matrix Feb 2. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-05-01): Credit Risk Summary and Exception Approval for 7/1 ARM, loan amount and I/O feature. has been provided.
     05/01/2018 2 B [Redacted] CA Investment Refinance - Cash-out - Home Improvement   C B C B A A A A N/A N/A No
203226800 [Redacted] [Redacted] 6298728 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Within 10 days of closing Guideline variance approved by lender at time of origination. Reviewer Comment (2018-05-01): Credit Risk Summary and Exception Approval for missing VVOE within 10 days of closing has been provided.
     05/01/2018 2 B [Redacted] CA Investment Refinance - Cash-out - Home Improvement   C B C B A A A A N/A N/A No
203226802 [Redacted] [Redacted] 6271428 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] PA Primary Purchase   C B A A C B C A Non QM Non QM No
203226802 [Redacted] [Redacted] 6271568 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses a $3.00 Duplicate Tax Bill paid by Seller at closing that is not disclosed on Consumer's CD           2 B [Redacted] PA Primary Purchase   C B A A C B C A Non QM Non QM Yes
203226802 [Redacted] [Redacted] 6283363 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $42.00 tolerance.   Reviewer Comment (2018-05-01): Lender provided Attestation that Notary Fee was required by the vendor selected by the borrower.  No zero percent tolerance exists.
 05/01/2018     1 A [Redacted] PA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203226802 [Redacted] [Redacted] 6283364 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $42.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) $42.00 Title - Notary Fee not disclosed on Loan Estimate dated 3/15/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $42.00 tolerance.   Reviewer Comment (2018-05-01): Lender provided Attestation that Notary Fee was required by the vendor selected by the borrower.  No zero percent tolerance exists.
 05/01/2018     1 A [Redacted] PA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203226803 [Redacted] [Redacted] 6275262 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/ xx/xx/xxxx ) Disclosed value $2,470.00, calculated value 12 months @ 189.25 = $2,271.00 variance of $199.00.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Non QM Non QM Yes
203226803 [Redacted] [Redacted] 6301224 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 646 is less than Guideline representative FICO score of 660. Minimum score for 85% LTV is 660 per Matrix.   Reviewer Comment (2018-04-30): Meets Portfolio Select Matrix
 04/30/2018     1 A [Redacted] TX Primary Purchase   C B C A B B A A Non QM Non QM No
203226806 [Redacted] [Redacted] 6273718 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203226806 [Redacted] [Redacted] 6287155 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.05439% exceeds Guideline total debt ratio of 45.00000%. Borrower debt ratio is at 47% which is more than the guideline requirement of 45%.   Compensating factors are LTV is low at 70% and the payment shock is 18%. Guideline LTV is 75% and the borrower has a LTV of [Redacted] Reviewer Comment (2018-04-26): Credit Risk Summary & Exception approval p289
     04/26/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203226806 [Redacted] [Redacted] 6287346 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Guideline Requirement: Available for Reserves discrepancy. Calculated Available for Reserves of $21,482.30 is less than Guideline Available for Reserves of . Reserve requirements are 3 months and the borrower has 1 month of reserves.   The borrower has two student loans in collection and $13,462 are reserves needed for the student loans.   This leaves the borrower with only 1 month of reserves. Guideline LTV is 75% and the borrower has a LTV of [Redacted] Reviewer Comment (2018-04-26): Credit Risk Summary & Exception approval p289
     04/26/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203226806 [Redacted] [Redacted] 6296162 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Disclosure not provided in file           2 B [Redacted] FL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203226807 [Redacted] [Redacted] 6275739 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not provided   Reviewer Comment (2018-05-01): Evidence of borrower's consent has been provided.
 05/01/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B A A C B A A Non QM Non QM No
203226807 [Redacted] [Redacted] 6275740 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on  xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/ xx/xx/xxxx ) Cure for Survey Fee of $411.35 was not provided. Document Preparation Fee of $75, was reflected as attorney fee on Loan Estimate but then fee name changed on Final CD.   Reviewer Comment (2018-05-01): Lender provided attestation that the title doc prep and survey fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
203226807 [Redacted] [Redacted] 6275742 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $411.35 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-05-01): Lender provided attestation that the survey fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Non QM Non QM Yes
203226807 [Redacted] [Redacted] 6275744 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) Fee was reflected on Loan Estimate as Attorney Fee.   Reviewer Comment (2018-05-01): Lender provided attestation that the doc prep fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Non QM Non QM Yes
203226807 [Redacted] [Redacted] 6290693 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on xx/xx/xxxx  did not use the same fee terminology as the Loan Estimate. (Final/ xx/xx/xxxx ) Loan Estimate reflects Title- Attorney's Fees for $150 and then that fee changed to Title- Document Preparation Fee to the attorney for the same fee amount.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
203226808 [Redacted] [Redacted] 6277409 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] MI Primary Purchase   C B A A C B C A Non QM Non QM No
203226808 [Redacted] [Redacted] 6277445 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on  xx/xx/xxxx  incorrectly disclosed whether property taxes are included in escrow. (Final/ xx/xx/xxxx ) Final Closing Disclosure does not reflect Property taxes included in escrow on page 1 of the  projected payments section.   Reviewer Comment (2018-05-03): A post close CD with corrected escrow information, copy of the letter of explanation to the borrower and evidence of delivery have been provided.
 05/03/2018     1 A [Redacted] MI Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B C A Non QM Non QM Yes
203226808 [Redacted] [Redacted] 6277446 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/ xx/xx/xxxx ) Additional fees included on Seller's CD.           2 B [Redacted] MI Primary Purchase   C B A A C B C A Non QM Non QM Yes
203226808 [Redacted] [Redacted] 6291210 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Loan Type TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on  xx/xx/xxxx disclosed a Loan Type that does not match the actual loan type for the loan. (Final/ xx/xx/xxxx) Final Closing Disclosure does not reflect the mortgage as Conventional but reflects "Other".   Reviewer Comment (2018-05-03): This was not corrected on the PCCD provided on 5/3/18.
       2 B [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203226808 [Redacted] [Redacted] 6291211 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on  xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/ xx/xx/xxxx) Cure for Final Inspection of $150.00 was not provided.   Reviewer Comment (2018-05-02): COC dated  xx/xx/xxxx is invalid by itself as it does not indicate the reason for the addition of the re-inspection fee.  In conjunction with the appraisal, which was completed subject to repairs and therefore requires the additional inspection, the components of a valid COC exist.
 05/02/2018     1 A [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203226808 [Redacted] [Redacted] 6291212 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-05-02): COC dated  xx/xx/xxxx is invalid by itself as it does not indicate the reason for the addition of the re-inspection fee.  In conjunction with the appraisal, which was completed subject to repairs and therefore requires the additional inspection, the components of a valid COC exist.
 05/02/2018     1 A [Redacted] MI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203226808 [Redacted] [Redacted] 6291634 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-sign Agreement is not evident prior to borrower receiving and signing initial CD document. .   Reviewer Comment (2018-05-02): Evidence of borrower's consent has been provided.
 05/02/2018     1 A [Redacted] MI Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203226808 [Redacted] [Redacted] 6356279 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Miscellaneous Compliance:  Non-Material Compliance Exception:   The cash from the borrower on the post close CD dated  xx/xx/xxxx is less than cash from borrower on the CD signed at closing.  Provide either a final settlement statement verifying that the loan closed as per the post close CD, or evidence that the difference was refunded to the borrower (copy of the refund check, letter of explanation to the borrower disclosing the reason for the change and evidence of delivery).           2 B [Redacted] MI Primary Purchase   C B A A C B C A Non QM Non QM No
203226809 [Redacted] [Redacted] 6274173 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] IA Investment Purchase   C A A A A A C A N/A N/A No
203226810 [Redacted] [Redacted] 6279311 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203226810 [Redacted] [Redacted] 6279352 [Redacted] [Redacted] Credit Assets Asset Documentation Insufficient funds for Reserves. Guidelines require $6,886.14, and verified reserves are $1,546.47. Borrower is short $5,339.67 in reserves.  Cash out can't be used for reserves. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-04-26): Credit Risk Summary & Exception approval p246
     04/26/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B     C A     No
203226811 [Redacted] [Redacted] 6277881 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203226811 [Redacted] [Redacted] 6278153 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.62242% exceeds Guideline total debt ratio of 45.00000%. DTI exceeds 45% due to lender Income Worksheet reflects October and November 2017 deposits were combined and additional bank statement was included which resulted in 13 months and Total DTI discrepancy. Borrower's middle credit score is 694, which exceeds the guideline requirement of 680 by 14 points.

Borrowers on this full doc loan have residual income of $6,779.34, which exceeds the guideline requirement of $3,000.		 Reviewer Comment (2018-05-01): Client elects to waive DTI exception.  Credit Risk Summary & Exception Approval has been provided.
     05/01/2018 2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203226811 [Redacted] [Redacted] 6278321 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. ATR Failed due to DTI exceeds 45% as there is an income calculation discrepancy.   Reviewer Comment (2018-05-01): Lender elects to waive the DTI exception.  Credit Risk Summary & Exception Approval has been provided.
 05/01/2018     1 A [Redacted] TX Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203226811 [Redacted] [Redacted] 6278322 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Lender used $22,922.05 deposits for 10/6/2017 deposits but bank statement only show $7,576.50 which is bringing down the average monthly income and causing debt ratios to exceed 45%.   Reviewer Comment (2018-05-01): Lender elects to waive the DTI exception.  Credit Risk Summary & Exception Approval has been provided.
 05/01/2018     1 A [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203226811 [Redacted] [Redacted] 6278323 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on  xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/ xx/xx/xxxx) Cure for Title Guaranty Fee of $4.50 was not provided.   Reviewer Comment (2018-05-01): Lender provided attestation that Title Guaranty Fee was required by the vendor selected by the borrowers.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203226811 [Redacted] [Redacted] 6278325 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-05-01): Lender provided attestation that Title Guaranty Fee was required by the vendor selected by the borrowers.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203226811 [Redacted] [Redacted] 6296702 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $20365.00, while closing CD seller's fees total $22,064.25.           2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM Yes
203226811 [Redacted] [Redacted] 6296742 [Redacted] [Redacted] Credit Credit Credit Eligibility Public Record Issue: Credit Report: Original // Public Record Type: Collections / Balance: 31.00 Per guidelines no collections are allowed in the past 2 years, collection is dated 01/18.           2 B [Redacted] TX Primary Purchase   C B C B C B C A Non QM Non QM No
203226812 [Redacted] [Redacted] 6272925 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Short $39,315.00   Reviewer Comment (2018-04-26): Insurer's Estimate of Replacement Cost has been provided; coverage is sufficient.
 04/26/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203226812 [Redacted] [Redacted] 6272927 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203226812 [Redacted] [Redacted] 6280633 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $50.00 exceeds tolerance of $25.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520) Cure was provided to the borrower in the amount of 25.00       04/24/2018   1 A [Redacted] FL Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B A A C A Non QM Non QM Yes
203226812 [Redacted] [Redacted] 6280832 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing verification of current Mortgage or cancelled checks to support payment history.   Reviewer Comment (2018-04-30): have 11 months bank statements showing transfers for housing.  allowed 1x30x12 - cleared


Reviewer Comment (2018-04-26): Document provided dies not sufficiently verify borrower's mortgage payment  history .
 04/30/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203226812 [Redacted] [Redacted] 6291849 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing June 2017 asset statement used for 12 month income calculation (file had June 2016 statement). 33% DTI on this Alt documentation loan < 45% guideline max

Residual income $7300		 Reviewer Comment (2018-04-30): Received Credit Risk Summary & Exception approval 4/30/18
     04/30/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203226813 [Redacted] [Redacted] 6294818 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203226813 [Redacted] [Redacted] 6307178 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Issue:  Insufficient tradelines per credit guidelines   Credit Risk Summary & Exception Approval in file, page 370. Tradeline requirements not met. Compensating Factors: 1) DTI. 2) Stable Employment History. 29.88% DTI on this Full documentation loan < 45% guideline max Reviewer Comment (2018-04-27): Compensating Factors: 1) DTI. 2) Stable Employment History.
     04/27/2018 2 B [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203226814 [Redacted] [Redacted] 6277588 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $44,072.54 while closing CD seller's fees total $46,318.45. Two additional HOA fees on FInal CD and Owner's title insurance was more.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203226814 [Redacted] [Redacted] 6277600 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-26): Appraisal report dated [Redacted]
     04/26/2018 2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM No
203226814 [Redacted] [Redacted] 6289078 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xx/xx/xxxx) Notes states loan is assumable once ARM period begins, FInal CD states loan is assumable. Borrower signed Acknowledgment that assumptions are not permitted discosure.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203226814 [Redacted] [Redacted] 6301969 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. PUD Credit Risk Summary & Exception Approval in file, page 387. Property: Acreage exceeds maximum allowed by product. Compensating Factors: 1) DTI. 2) Residual Income. 30.42% DTI on this Full documentation loan < 45% guideline max

Borrower on this Full documentation loan has a disposable income of $26,174.11		 Reviewer Comment (2018-04-26): Compensating Factors: 1) DTI. 2) Residual Income.
     04/26/2018 2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM No
203226814 [Redacted] [Redacted] 6302368 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         04/26/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203226814 [Redacted] [Redacted] 6302369 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $1,250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)         04/26/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203226815 [Redacted] [Redacted] 6279337 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller CD fees total $56,016 while closing CD seller's fees total $49,750.           2 B [Redacted] FL Primary Purchase   C B C B C B A A Non QM Non QM Yes
203226815 [Redacted] [Redacted] 6294100 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $49.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-02): Lender provided attestation that recording service and notary fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/02/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Non QM Non QM Yes
203226815 [Redacted] [Redacted] 6294101 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7730) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing. (Title - Mobile Signing Fee)   Reviewer Comment (2018-05-02): Lender provided attestation that recording service and notary fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/02/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Non QM Non QM Yes
203226815 [Redacted] [Redacted] 6294105 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $49 + $100   Reviewer Comment (2018-05-02): Lender provided attestation that recording service and notary fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/02/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203226815 [Redacted] [Redacted] 6310960 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing rental payment history. GUIDELINE 5.21: Rent-free not allowed. 41.04 DTI on this full documentation loan is less than the guideline max of 45.00% by 3.96%

62.2 months reserves > 6 months guideline minimum - borrowers have verified reserves of $453,057.01

Borrower on this full documentation loan has a disposable income of $12,283.62		 Reviewer Comment (2018-05-03): Client elects to waive exception for rental history.  Credit Risk Summary & Exception Approval has been provided.  Comp factors:  DTI; reserves; residual income.
     05/03/2018 2 B [Redacted] FL Primary Purchase   C B C B C B A A Non QM Non QM No
203226815 [Redacted] [Redacted] 6311533 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] VVOE - Employment Only Missing vvoe from [REDACTED] within 10 days of the Note.   Reviewer Comment (2018-05-02): A verification of employment dated within 10 days of closing has been provided.
 05/02/2018     1 A [Redacted] FL Primary Purchase   C B C B C B A A Non QM Non QM No
203226815 [Redacted] [Redacted] 6311668 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. eConsent not found in file   Reviewer Comment (2018-05-02): Evidence of borrower's consent has been provided.
 05/02/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C B A A Non QM Non QM No
203226816 [Redacted] [Redacted] 6300668 [Redacted] [Redacted] Credit Assets Asset Documentation Assets Error: Usability  was not provided     Missing CPA letter for use of business asset Reviewer Comment (2018-04-26): Credit Risk Summary & Exception approval p115
     04/26/2018 2 B [Redacted] FL Investment Purchase   C B C B     A A     No
203226817 [Redacted] [Redacted] 6277464 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
203226817 [Redacted] [Redacted] 6290162 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for various 0% tolerance violations of $1.57 was not provided. (.69 + .88)   Reviewer Comment (2018-05-11): Lender provided attestation regarding incorrect issue date on the revised LE and evidence of delivery.  Change of circumstance is valid based on corrected date.  No zero percent tolerance violation exists.
 05/11/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203226817 [Redacted] [Redacted] 6290163 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $8,030.88 exceeds tolerance of $8,030.00.  Insufficient or no cure was provided to the borrower. (73109) Fee disclosed as $8030.00 on LE, but disclosed as $8030.88 on Final Closing Disclosure. (LE dated xx/xx/xxxx appears to have been printed xx/xx/xxxx, Change Circumstance date doesn't match LE date so cannot use Change of Circumstance)   Reviewer Comment (2018-05-11): Lender provided attestation regarding incorrect issue date on the revised LE and evidence of delivery.  Change of circumstance is valid based on corrected date.  No zero percent tolerance violation exists.
 05/11/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203226817 [Redacted] [Redacted] 6290164 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,722.69 exceeds tolerance of $5,722.00.  Insufficient or no cure was provided to the borrower. (8304) Fee disclosed as $5722 on LE, but disclosed as $5722.69 on Final Closing Disclosure. (LE dated xx/xx/xxxx appears to have been printed xx/xx/xxxx, Change Circumstance date doesn't match LE date so cannot use Change of Circumstance)   Reviewer Comment (2018-05-11): Lender provided attestation regarding incorrect issue date on the revised LE and evidence of delivery.  Change of circumstance is valid based on corrected date.  No zero percent tolerance violation exists.
 05/11/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203226817 [Redacted] [Redacted] 6307022 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Short $48,050.00   Reviewer Comment (2018-05-18): Rec'd replacement cost estimator, coverage is sufficient.
 05/18/2018     1 A [Redacted] FL Primary Purchase   C B C A C B C A Non QM Non QM No
203226817 [Redacted] [Redacted] 6307081 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) $15,057.90 < $15,152.90   Reviewer Comment (2018-05-18): Rec’d LOE, corrected CD and evidence of emailing.
   05/18/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203226818 [Redacted] [Redacted] 6269722 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203226818 [Redacted] [Redacted] 6269828 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses a higher $6,317.53 HOA balance amount paid by Seller at closing vs $6,077.53 amount disclosed on Consumer's CD.  Seller CD discloses a $199.19 Final Water Balance fee paid by Seller at closing  not disclosed on Consumer's CD           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203226818 [Redacted] [Redacted] 6292307 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203226819 [Redacted] [Redacted] 6274136 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203226819 [Redacted] [Redacted] 6275225 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.83533% exceeds Guideline total debt ratio of 45.00000%. DTI does exceed 45% but meets exception approval policy based on compensating factors of the payment shock of 5.199% and residual income of $6581.46. Guideline variance approved by lender at time of origination.
Ful Doc- Bank statement
Disposable income is $6581.46
Guideline is $3000.00		 Reviewer Comment (2018-04-26): Credit Risk Summary & Exception approval p203
     04/26/2018 2 B [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203226819 [Redacted] [Redacted] 6275976 [Redacted] [Redacted] Compliance Compliance State Compliance Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. The Certificate of Compliance document is not located in the loan file.   Reviewer Comment (2018-05-01): Illinois Certificate of Compliance has been provided.
 05/01/2018     1 A [Redacted] IL Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203226820 [Redacted] [Redacted] 6269607 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   Documentation supporting exclusion of [Redacted] and [Redacted] accounts from debt ratio was not adequate.  Payments of $242 do not match up to payment required on Credit Report.   Reviewer Comment (2018-05-07): Guidelines do not address payments by others, proof of 12 months of payments for both past and current loans have been provided, cleared


Reviewer Comment (2018-05-07): Documentation supporting exclusion of Lowe's payment has been provided.  One statement has been provided showing a third party made the January payment to [Redacted].  To exclude the payment typically requires 12 months' pay history, but the account is only reporting three months.
 05/07/2018     1 A [Redacted] FL Investment Purchase   C B C A B B C A N/A N/A No
203226820 [Redacted] [Redacted] 6269616 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Investment Purchase   C B C A B B C A N/A N/A No
203226820 [Redacted] [Redacted] 6269645 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor Qualifying Residual income discrepancy. Calculated investor qualifying disposable income of $1,780.60 is less than AUS required disposable income of $2,000.00. Calculated investor qualifying disposable income of $1,780.60 is less than Portfolio Select guideline required disposable income of $2,000.00.   Reviewer Comment (2018-05-07): Guidelines do not address payments by others, proof of 12 months of payments for both past and current loans have been provided, cleared
 05/07/2018     1 A [Redacted] FL Investment Purchase   C B C A B B C A N/A N/A No
203226820 [Redacted] [Redacted] 6269663 [Redacted] [Redacted] Credit Data Verification General The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. Investor's qualifying DTI: 57.15850%
QM qualifying DTI: 61.10147%		 Unable to exclude 2 debts excluded by lender due to missing information. DTI is 57.15850%, max allowed is 50%   Reviewer Comment (2018-05-07): Guidelines do not address payments by others, proof of 12 months of payments for both past and current loans have been provided, cleared
 05/07/2018     1 A [Redacted] FL Investment Purchase   C B C A B B C A N/A N/A No
203226820 [Redacted] [Redacted] 6269738 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 57.15850% exceeds Guideline total debt ratio of 50.00000%. Lender exception granted to 50% debt ratio; however 2 tradelines excluded by lender are not properly documented. Lender did not provide note for [Redacted] to confirm borrower is not the primary obligor and only 1/6 required months of statements document debt was paid by other party (all other 11 statements just show a withdrawal/transfer in the amount of $292, which is not acceptable). The 2nd excluded trade line  [Redacted] also shows a balance even though the account is now closed. It cannot be confirmed that the amount of payment ($2107.36) was the entire balance.   Reviewer Comment (2018-05-07): Guidelines do not address payments by others, proof of 12 months of payments for both past and current loans have been provided, cleared
 05/07/2018     1 A [Redacted] FL Investment Purchase   C B C A B B C A N/A N/A No
203226820 [Redacted] [Redacted] 6270266 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/xx/xx/xxxx)             2 B [Redacted] FL Investment Purchase   C B C A B B C A N/A N/A No
203226821 [Redacted] [Redacted] 6271569 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] GA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
203226821 [Redacted] [Redacted] 6271728 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Assumption TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan allows for Assumption. (Final/xx/xx/xxxx) Borrower signed Acknowledgement that Loan Assumptions Are Not Permitted document at Closing, but Final CD indicates that the loan is Assumable.           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203226821 [Redacted] [Redacted] 6286313 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.   Reviewer Comment (2018-04-29): Updated based on original data tape
 04/29/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203226822 [Redacted] [Redacted] 6270509 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203226822 [Redacted] [Redacted] 6270837 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $48,535 while closing CD seller's fees total $48,790. An additional seller paid lien search on Final CD.           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203226823 [Redacted] [Redacted] 6279382 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-04-26): Appraisal effective date 3/5/18
     04/26/2018 2 B [Redacted] CA Primary Purchase   D B D B B B C A Non QM Non QM No
203226823 [Redacted] [Redacted] 6279391 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Loan is Interest Only and the Interest Only Rider is missing       Reviewer Comment (2018-05-01): Received
 05/01/2018     1 A [Redacted] CA Primary Purchase   D B D B B B C A Non QM Non QM No
203226823 [Redacted] [Redacted] 6279401 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] CA Primary Purchase   D B D B B B C A Non QM Non QM No
203226823 [Redacted] [Redacted] 6288439 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note - Senior Lien not provided       Reviewer Comment (2018-05-01): Received
 05/01/2018     1 A [Redacted] CA Primary Purchase   D B D B B B C A Non QM Non QM No
203226823 [Redacted] [Redacted] 6288487 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure No Seller Paid Fees Primary Residence Subordinate Lien TRID Final Closing Disclosure xx/xx/xxxx on a simultaneous subordinate lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xx/xx/xxxx) There were no seller paid fees reflected on the Final CD for the subject loan.   Reviewer Comment (2018-05-01): NA
 05/01/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D B B B C A Non QM Non QM Yes
203226823 [Redacted] [Redacted] 6288625 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted]  Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. ([REDACTED]/S-Corp) Most recent tax returns provided are 2016.  2017 tax returns not due to be filed until 4/15/18.           2 B [Redacted] CA Primary Purchase   D B D B B B C A Non QM Non QM No
203226823 [Redacted] [Redacted] 6288760 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing Property tax verification for [REDACTED] and [REDACTED].   Reviewer Comment (2018-05-01): Received


Reviewer Comment (2018-05-01): Received tax info for [REDACTED] only, still need [REDACTED].
 05/01/2018     1 A [Redacted] CA Primary Purchase   D B D B B B C A Non QM Non QM No
203226823 [Redacted] [Redacted] 6297825 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: AUS not provided   Missing AUS, loans is Agency 2nd - additional exceptions may apply upon receipt   Reviewer Comment (2018-05-01): Received
 05/01/2018     1 A [Redacted] CA Primary Purchase   D B D B B B C A Non QM Non QM No
203226824 [Redacted] [Redacted] 6271903 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] OK Primary Purchase   C B A A B B C A Non QM Non QM No
203226824 [Redacted] [Redacted] 6272030 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 6.95520% or Final Disclosure APR of 7.00800% is in excess of allowable threshold of APOR 4.40% + 1.5%, or 5.90000%.  Compliant Higher Priced Loan. Disclosed APR 6.49200% and Calculated APR 6.45020% > 5.85000% Tolerance.           2 B [Redacted] OK Primary Purchase   C B A A B B C A Non QM Non QM No
203226824 [Redacted] [Redacted] 6272033 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer CD discloses a $7,470.00 higher Real Estate Commission Sellers Broker fee amount paid by Seller at closing vs $4,980.00 amount disclosed on Seller's CD           2 B [Redacted] OK Primary Purchase   C B A A B B C A Non QM Non QM Yes
203226825 [Redacted] [Redacted] 6284036 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Primary Purchase   C A C A C A C A Non QM Non QM No
203226825 [Redacted] [Redacted] 6289356 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) No cure was provided for $9 recording fee that was added to CD   Reviewer Comment (2018-05-01): Lender provided attestation that the recording service fee was required by the borrower's chosen provider.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A C A Non QM Non QM Yes
203226825 [Redacted] [Redacted] 6289357 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee was not disclosed on LE and no cure was provided   Reviewer Comment (2018-05-01): Lender provided attestation that the recording service fee was required by the borrower's chosen provider.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A Non QM Non QM Yes
203226825 [Redacted] [Redacted] 6289437 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] CPA Letter Missing a Third Party tax prepared, CPA prepared Business Expense Statement or a borrower prepared Profit and Loss Statements, which is less than 90-days old at the time closing.   Reviewer Comment (2018-05-02): CPA letter has been provided indicating the business' expense level.
 05/02/2018     1 A [Redacted] FL Primary Purchase   C A C A C A C A Non QM Non QM No
203226826 [Redacted] [Redacted] 6272817 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] FL Primary Refinance - Rate/Term   C A A A A A C A Non QM Non QM No
203226827 [Redacted] [Redacted] 6273265 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] NJ Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203226827 [Redacted] [Redacted] 6289000 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] P&L Statement YTD P & L is missing from the file but meets the exception policy based on compensating factors of less than 45% DTI and over 6 month reserves.   The borrower DTI is 15% and reserves are 35 months. 15% DTI on this primary cash-out refinance alternative documentation loan < 45% guideline max - 30% below program guideline maximum

Borrower has 35 months of reserves and the guideline is 6.		 Reviewer Comment (2018-04-26): Exception in file for missing documentation. Waived 2018 YTD P & L, loan closing in 1st few days of April.
     04/26/2018 2 B [Redacted] NJ Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203226827 [Redacted] [Redacted] 6289350 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) The number of months was not completed.  The box is showing empty.           2 B [Redacted] NJ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203226828 [Redacted] [Redacted] 6268749 [Redacted] [Redacted] Credit Credit Credit Documentation There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.   Appraiser indicated that one unit is vacant.   Reviewer Comment (2018-04-26): Lease for the subject property and business purpose disclosure have been provided.
 04/26/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     A A     No
203226829 [Redacted] [Redacted] 6292662 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Mortgage payment history for subject property was not provided.   Reviewer Comment (2018-04-27): Satisfactory pay history has been provided.
 04/27/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     A A     No
203226830 [Redacted] [Redacted] 6278343 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-04-26): Received CDA within 10% tolerance of appraised value
 04/26/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C B A A C B C A Higher Priced QM Safe Harbor QM No
203226830 [Redacted] [Redacted] 6278887 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Final CD reflects closing date as xx/xx/xxxx and Consummation date reflected on Security Agreement is xx/xx/xxxx.           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Higher Priced QM Safe Harbor QM Yes
203226830 [Redacted] [Redacted] 6278888 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid City Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for City Property Tax under Prepaids. (Final/xx/xx/xxxx) Verified with data entry on Final CD, number of months collected for City property tax is not evident.           2 B [Redacted] CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Higher Priced QM Safe Harbor QM Yes
203226830 [Redacted] [Redacted] 6278889 [Redacted] [Redacted] 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/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. Final Closing Disclosure close date reflected xx/xx/xxxx however, was not signed till xx/xx/xxxx and disbursement date was not corrected.   Reviewer Comment (2018-05-06): A post close CD with the correct disbursement date has been provided.
 05/06/2018     1 A [Redacted] 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 C B A A C B C A Higher Priced QM Safe Harbor QM Yes
203226830 [Redacted] [Redacted] 6278890 [Redacted] [Redacted] 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). Right to Cancel reflects disbursement date of xx/xx/xxxx with a signature date of xx/xx/xxxx and was not corrected to reflect the correct disbursement date.   Reviewer Comment (2018-05-07): A corrected Notice of Right to Cancel has been provided.


Reviewer Comment (2018-05-06): The Right to Cancel disclosure provided on xx/xx/xxxx is the same one that was originally submitted with the file.
 05/07/2018     1 A [Redacted] 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 C B A A C B C A Higher Priced QM Safe Harbor QM Yes
203226830 [Redacted] [Redacted] 6279084 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Per tape data, loan was submitted as high priced QM. However, it does not qualify as high high priced QM. due diligence has qualified it as Non QM.   Reviewer Comment (2018-05-08): Received updated data tape with restated designation
 05/08/2018     1 A [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B A A C B C A Higher Priced QM Safe Harbor QM Yes
203226830 [Redacted] [Redacted] 6402030 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM matches the Due Diligence Loan Designation of Safe Harbor QM. Received updated data tape with restated designation           2 B [Redacted] CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B A A C B C A Higher Priced QM Safe Harbor QM Yes
203226831 [Redacted] [Redacted] 6271219 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Lender exception granted for incomplete housing history. Borrower currently living rent-free. Compensating factors: 744 credit score and good residual income. 744 credit score, no derogatory credit in the history of the credit report, 38% DTI, 14 months reserves, $12,409 residual income. Reviewer Comment (2018-04-26): Exception in file for housing history requirements not met, borrower living rent free and evidence of a two year history of income not verified.
     04/26/2018 2 B [Redacted] CA Primary Purchase   C B C B C B A A Higher Priced QM Non QM No
203226831 [Redacted] [Redacted] 6272015 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 35.48355% exceeds Guideline housing ratio of 35.00000%. Calculated investor qualifying housing ratio of 35.48355% exceeds Guideline housing ratio of 35.00000%. 744 > 720 minimum score

37.618% DTI on this Full documentation loan < 43% guideline max

15 > 12 months required reserves

Borrower on this Full documentation loan has a disposable income of $12,476.29		 Reviewer Comment (2018-05-01): Received Credit Risk Summary & Exception Approval. DTI: Housing Ratio exceeds program guidelines. Compensating Factors: 1) Credit Score. 2) Credit History. 3) DTI. 4) Reserves. 5) Residual Income.
     05/01/2018 2 B [Redacted] CA Primary Purchase   C B C B C B A A Higher Priced QM Non QM No
203226831 [Redacted] [Redacted] 6272103 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $59,128.95 while closing CD seller's fees total $58,053.95.  Additional HOA dues and security deposit paid by seller.           2 B [Redacted] CA Primary Purchase   C B C B C B A A Higher Priced QM Non QM Yes
203226831 [Redacted] [Redacted] 6272112 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Non QM. Loan submitted as Higher-priced QM; however, would be considered Non-QM due to housing ratio exception and employment history exception.   Reviewer Comment (2018-05-01): Received Amended Data Tape


Reviewer Comment (2018-05-01): Submitted exception approval did not clear this item, still Non QM.
 05/01/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Higher Priced QM Non QM Yes
203226831 [Redacted] [Redacted] 6333698 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Restated Loan Designation Match - General Ability to Repay Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match.  However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Received Amended Data Tape           2 B [Redacted] CA Primary Purchase   C B C B C B A A Higher Priced QM Non QM Yes
203257333 [Redacted] [Redacted] 6259354 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.94161% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 194 , DTI exceeds maximum  Compensating Factors: 1)  Residual income   2)Stable employment history.
Over guidelines because business mortgage paid to individuals lacks enough documentation to show paid from business account.		 Residual income, stable employment history. Reviewer Comment (2018-04-25): Exception in file for DTI > maximum.
     04/25/2018 2 B [Redacted] SC Primary Purchase   C B C B B B C A Non QM Non QM No
203257333 [Redacted] [Redacted] 6259355 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] SC Primary Purchase   C B C B B B C A Non QM Non QM No
203257333 [Redacted] [Redacted] 6259365 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $15,808, while closing CD seller's fees total $16,668.           2 B [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203257333 [Redacted] [Redacted] 6285175 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. Date Issued: xx/xx/xxxx / Relative Sequence Num: <empty> Tax Service Fee (Life Of Loan) Missing payee for the Tax Service Fee in Section B of the final CD.           2 B [Redacted] SC Primary Purchase   C B C B B B C A Non QM Non QM No
203257333 [Redacted] [Redacted] 6285185 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/xx/xx/xxxx) Missing payee for the Tax Service Fee in Section B of the final CD.           2 B [Redacted] SC Primary Purchase Good Faith Redisclosure C B C B B B C A Non QM Non QM Yes
203257334 [Redacted] [Redacted] 6264122 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.16160% or Final Disclosure APR of 8.19800% is in excess of allowable threshold of APOR 4.44% + 2.5%, or 6.94000%.  Compliant Rate Spread Home Loan.             2 B [Redacted] NC Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203257334 [Redacted] [Redacted] 6264123 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxxdisclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Per the Final CD, the Homeowners Insurance Premium should be for 12 months, but it is showing 6 months.   The annual premium amount is correct if the # of months were accurate.           2 B [Redacted] NC Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203257334 [Redacted] [Redacted] 6264125 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $575.00 exceeds tolerance of $525.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         04/23/2018   1 A [Redacted] NC Primary Refinance - Cash-out - Other Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203257334 [Redacted] [Redacted] 6283756 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.56 is less than Guideline PITIA months reserves of 6.00.   5.45% DTI on this Bank Statement documentation loan <45% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $113,005.21		 Reviewer Comment (2018-04-26): Received Credit Risk Summary & Exception Approval. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income.
     04/26/2018 2 B [Redacted] NC Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203282176 [Redacted] [Redacted] 6292658 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CO Primary Refinance - Rate/Term   C B A A C B C A Non QM Non QM No
203282176 [Redacted] [Redacted] 6298357 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Closing Disclosure Issue Date Not Provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Initial/xx/xx/xxxx) Missing Date Issued on Closing Disclosure showing Disbursement Date xx/xx/xxxx.   Reviewer Comment (2018-05-06): Lender has provided attestation that the CD in the file missing issue  date and other information was not generated by them and not provided to the borrower.  It has been removed from compliance testing.
 05/06/2018     1 A [Redacted] CO Primary Refinance - Rate/Term Good Faith Redisclosure C B A A C B C A Non QM Non QM Yes
203282176 [Redacted] [Redacted] 6312727 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. eConsent not found in file           2 B [Redacted] CO Primary Refinance - Rate/Term No Defined Cure C B A A C B C A Non QM Non QM No
203305696 [Redacted] [Redacted] 6295160 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
203305696 [Redacted] [Redacted] 6295334 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/417710) Tax Escrow per title tax record sheet reflects quarterly tax amount of  $1627.68 which equals $542.56 per month. Final Closing disclosure reflects monthly  tax escrow of $135.64.   Reviewer Comment (2018-05-03): Received form documenting taxes
 05/03/2018     1 A [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C A C A Non QM Non QM Yes
203305696 [Redacted] [Redacted] 6295335 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/417711) Tax Escrow per title tax record sheet reflects quarterly tax amount of  $1627.68 which equals $542.56 per month. Final Closing disclosure reflects monthly  tax escrow of $135.64.   Reviewer Comment (2018-05-03): Received form documenting taxes
 05/03/2018     1 A [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C A C A Non QM Non QM Yes
203305696 [Redacted] [Redacted] 6295336 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/417712) Tax Escrow per title tax record sheet reflects quarterly tax amount of  $1627.68 which equals $542.56 per month. Final Closing disclosure reflects monthly  tax escrow of $135.64.   Reviewer Comment (2018-05-03): Received form documenting taxes
 05/03/2018     1 A [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C A C A Non QM Non QM Yes
203305696 [Redacted] [Redacted] 6295338 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/417713) Tax Escrow per title tax record sheet reflects quarterly tax amount of  $1627.68 which equals $542.56 per month. Final Closing disclosure reflects monthly  tax escrow of $135.64.   Reviewer Comment (2018-05-03): Received form documenting taxes
 05/03/2018     1 A [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C A C A Non QM Non QM Yes
203305696 [Redacted] [Redacted] 6295339 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/417710) Tax Escrow per title tax record sheet reflects quarterly tax amount of  $1627.68 which equals $542.56 per month. Final Closing disclosure reflects monthly  tax escrow of $135.64.   Reviewer Comment (2018-05-03): Received form documenting taxes
 05/03/2018     1 A [Redacted] GA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C A C A Non QM Non QM Yes
203305696 [Redacted] [Redacted] 6295342 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for Title Examination Fee of $125.00 was not provided.   Reviewer Comment (2018-05-01): Lender provided attestation that the title - examination fee was required by the borrower's chosen provider.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203305696 [Redacted] [Redacted] 6295343 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7727) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-05-01): Lender provided attestation that the title - examination fee was required by the borrower's chosen provider.  No zero percent tolerance violation exists.
 05/01/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203305696 [Redacted] [Redacted] 6312459 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Private VOR 38 months reserves > 6 months guideline minimum Reviewer Comment (2018-04-27): Credit Risk Summary & Exception approval p212
     04/27/2018 2 B [Redacted] GA Primary Purchase   C B C B C A C A Non QM Non QM No
203355869 [Redacted] [Redacted] 6327851 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A A A A A C A N/A N/A No
203355871 [Redacted] [Redacted] 6346814 [Redacted] [Redacted] Credit Credit Credit Documentation There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan.   Subject property should be tenant occupied for refinance transaction per guidelines.   Reviewer Comment (2018-05-08): A copy of the Borrower Certification of Investment Purpose signed and dated by the guarantor has been provided.
 05/08/2018     1 A [Redacted] SC Investment Refinance - Cash-out - Other   C A C A     A A     No
203355872 [Redacted] [Redacted] 6363583 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document was not provided in the file.   Reviewer Comment (2018-05-08): Evidence of borrower's consent, e-Disclosure Agreement, has been provioed.
 05/08/2018     1 A [Redacted] NC Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203355872 [Redacted] [Redacted] 6363596 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] NC Primary Purchase   C B C B C B C A Non QM Non QM No
203355872 [Redacted] [Redacted] 6370302 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.05077% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 288. DTI > maximum allowed. Compensating Factors: 1) Payment Shock. 2) Reserves. 51.31% Payment Shock

26.4 months reserves > 6 months guideline minimum - borrowers have verified reserves of $84,082.09		 Reviewer Comment (2018-05-04): Compensating Factors: 1) Payment Shock. 2) Reserves.
     05/04/2018 2 B [Redacted] NC Primary Purchase   C B C B C B C A Non QM Non QM No
203355872 [Redacted] [Redacted] 6372370 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.30860% or Final Disclosure APR of 7.34000% is in excess of allowable threshold of APOR 4.41% + 1.5%, or 5.91000%.  Non-Compliant Rate Spread Home Loan. NC Rate Spread Home Loan is Compliant.  YSP on loan was based on principal amount which is permissible under the rule.           2 B [Redacted] NC Primary Purchase   C B C B C B C A Non QM Non QM No
203355872 [Redacted] [Redacted] 6372372 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium.     Reviewer Comment (2018-05-08): Client has provided attestation confirming that the YSP charged is compliant with NC state statutes as it is based on the principal balance of the loan.
 05/08/2018     1 A [Redacted] NC Primary Purchase   C B C B C B C A Non QM Non QM No
203355873 [Redacted] [Redacted] 6323717 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] OR Primary Purchase   C B A A B B C A Non QM Non QM No
203355873 [Redacted] [Redacted] 6323958 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer's CD discloses a higher $1,628.00 Title - Owner's Title Insurance amount paid by Seller at closing vs $608.00 amount disclosed on Seller's CD           2 B [Redacted] OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203355873 [Redacted] [Redacted] 6336420 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-02): The e-Disclosure Agreement has been provided.
 05/02/2018     1 A [Redacted] OR Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203355874 [Redacted] [Redacted] 6341644 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203355874 [Redacted] [Redacted] 6341774 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Seller CD not provided.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203355874 [Redacted] [Redacted] 6350610 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Bank Statements - Business Missing 22 months of bank statements to meet requirement of 24 months.  Business statements in file for 12/31/2016 and 01/31/2017.   Reviewer Comment (2018-05-08): All missing bank statements have been provided.
 05/08/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203355874 [Redacted] [Redacted] 6357723 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 654 is less than Guideline representative FICO score of 660. 654 FICO < 660 minimum FICO for Platinum program.  Lender exception approval granted (pg.406) with comp factors: reserves, residual income, and stable employment history. Residual income of $12,900 > $3,000.00 minimum required. - 24 month business bank statement program.

Borrower has job stability for 7.8 years as an [Redacted] [Redacted].		 Reviewer Comment (2018-05-03): Lender exception approval provided; comp factor for reserves not used as borrower does not have 3 months in excess of minimum required (12 months for FTHB).
     05/03/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203355874 [Redacted] [Redacted] 6358415 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Initial CD is not signed and disclosure tracking summary does not indicate when the Initial CD was received by the borrower; unable to verify when borrower received the Initial CD.   Reviewer Comment (2018-05-11): Received proof of receipt


Reviewer Comment (2018-05-06): Screen shot provided 5/4/18 does not provide sufficient evidence that the initial CD was sent on 4/4/18.
 05/11/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203355875 [Redacted] [Redacted] 6356687 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] TX Investment Purchase   C A A A A A C A N/A N/A No
203355876 [Redacted] [Redacted] 6350589 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) There was an additional notary fee on the seller's CD that was charged to the seller not shown on the final CD.           2 B [Redacted] PA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203355876 [Redacted] [Redacted] 6350653 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] PA Primary Purchase   C B A A B B C A Non QM Non QM No
203355877 [Redacted] [Redacted] 6340061 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.49553% exceeds Guideline total debt ratio of 45.00000%. 45.49% > 45% Platinum program.  Lender's 45.15% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 20 months PITI reserves and $7,972.14 Residual income. 16.52 months reserves > 6 months guideline minimum - borrowers have verified reserves of $86,236.35.

Borrower on this full documentation loan has a disposable income of $8,103.91.		 Reviewer Comment (2018-05-02): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: 20 months PITI reserves and $7,972.14 Residual income.
     05/02/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355877 [Redacted] [Redacted] 6340070 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   $284,000.00 dwelling coverage < $359,500.00 estimated cost to rebuild and $764,150.00 original loan amount. Evidence of 100% Guaranteed Replacement Cost Coverage or Extended Dwelling Coverage is not documented.  Lender Documented Insured Value is not in file.   Reviewer Comment (2018-05-11): Received letter showing cost estimator of $284,000


Reviewer Comment (2018-05-04): Lender from insurer confirming 25% extended coverage has been provided.  Coverage of $355,000 ($284,000 X 125%) is still short by $4,500.  The letter refers to the insurer's determination of replacement cost, but a replacement cost estimation from the insurer has not been provided.  If there is one, it may provide evidence that the existing coverage is sufficient.  Otherwise, evidence of additional coverage will be required.
 05/11/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355877 [Redacted] [Redacted] 6340085 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355877 [Redacted] [Redacted] 6340124 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) .           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203355877 [Redacted] [Redacted] 6347566 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing a completed VOE providing a break down of base pay, overtime and bonus income for 2017 and 2016.  VOE in file provides total earnings without break down. Unable to determine if earnings are level or increasing from one year to the next to support Lender's 45.15% DTI based on a monthly income calculation of 25.5 month average of total combined YTD, 2017 and 2016 earnings.   Reviewer Comment (2018-05-07): Used the average
 05/07/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355877 [Redacted] [Redacted] 6347663 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-02): Appraisal Effective date 3/8/18
     05/02/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355877 [Redacted] [Redacted] 6347709 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Issue:  Housing payment increase is excessive and/or greater than that allowed per credit guidelines   422.04% > 350% Platinum program.  Lender's 401.9% calculation > 350%.  Exception not acknowledged by Lender. 16.52 months reserves > 6 months guideline minimum - borrowers have verified reserves of $86,236.35.

Borrower on this full documentation loan has a disposable income of $8,103.91.		 Reviewer Comment (2018-05-03): Client elects to waive exception for excessive increase in housing payment. Credit Risk Summary & Exception Approval has been provided.  Compensating factors: employment history; reserves; residual income.
     05/03/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355877 [Redacted] [Redacted] 6347860 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-03): Evidence of borrower's consent has been provided.
 05/03/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203355878 [Redacted] [Redacted] 6372835 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   NMLS number shown on Final 1003, Mortgage and Note is for [REDACTED], but loan originator name shown is [REDACTED].   Reviewer Comment (2018-05-18): Rec'd executed Scrivener's Affidavit to correct the NMLS ID #, cover letter requesting recordation, and copy of $10 recording fee check.
 05/18/2018     1 A [Redacted] FL Primary Purchase   C A A A C A A A Non QM Non QM Yes
203355878 [Redacted] [Redacted] 6374858 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $10.00   Reviewer Comment (2018-05-07): Lender provided attestation that Title - E-Recording fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/07/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Non QM Non QM Yes
203355878 [Redacted] [Redacted] 6374859 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-07): Lender provided attestation that Title - E-Recording fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/07/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Non QM Non QM Yes
203355879 [Redacted] [Redacted] 6362603 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CA Primary Purchase   C B C A B B C A Non QM Non QM No
203355879 [Redacted] [Redacted] 6377759 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Short $14 per Replacement Cost Estimator provided.   Reviewer Comment (2018-05-09): coverage has 125% replacement cost
 05/09/2018     1 A [Redacted] CA Primary Purchase   C B C A B B C A Non QM Non QM No
203355879 [Redacted] [Redacted] 6377761 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $36,463.38 is less than Cash From Borrower $200,655.85. Missing [REDACTED] statements as per Final 1003.   Reviewer Comment (2018-05-08): Sufficient assets have been provided.


Buyer Comment (2018-05-08): Three bank acct statements though 3/28/18
 05/08/2018     1 A [Redacted] CA Primary Purchase   C B C A B B C A Non QM Non QM No
203355879 [Redacted] [Redacted] 6377847 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $58,854.95 > $21,889.95           2 B [Redacted] CA Primary Purchase   C B C A B B C A Non QM Non QM Yes
203355880 [Redacted] [Redacted] 6359463 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] AL Primary Purchase   C A A A C A C A Non QM Non QM No
203355880 [Redacted] [Redacted] 6359507 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for $150.00 Zero Percent tolerance.   Reviewer Comment (2018-05-07): Lender has provided attestation that the pest inspection fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/07/2018     1 A [Redacted] AL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203355880 [Redacted] [Redacted] 6359509 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7713) $150.00 Pest Inspection fee not disclosed on Loan Estimate dated 3/20/2018 but disclosed in Section B of Initial and Final Closing Disclosure.  Valid Change of Circumstance not in file. Final Closing Disclosure does not disclose a Lender cure credit for $150.00 Zero Percent tolerance.   Reviewer Comment (2018-05-07): Lender has provided attestation that the pest inspection fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/07/2018     1 A [Redacted] AL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203355881 [Redacted] [Redacted] 6319720 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Federal FACTA Disclosure is not evident .           2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203355881 [Redacted] [Redacted] 6319756 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B A A C B C A Non QM Non QM No
203355881 [Redacted] [Redacted] 6328030 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Closing Disclosure Issue Date Not Provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interim/xx/xx/xxxx) Document signed 04/09/2018, but no Date issued on the first page.   Reviewer Comment (2018-05-07): Lender provided attestation/evidence that the CD in question was prepared by the closing agent and should not be considered in compliance testing.
 05/07/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Good Faith Redisclosure C B A A C B C A Non QM Non QM Yes
203355881 [Redacted] [Redacted] 6328094 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on xx/xx/xxxx did not use the same fee terminology as the Loan Estimate. (Final/xx/xx/xxxx) Fee name changed from Origination Fee on Loan Estimate to Broker Fee on Closing Disclosures.           2 B [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203355883 [Redacted] [Redacted] 6343648 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203355883 [Redacted] [Redacted] 6343720 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 9.31 is less than Guideline PITIA months reserves of 12.00. Credit Risk Summary & Exception Approval in file, page 259. Reserves: Requirements not met. Compensating Factors: No compensating factors listed. Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination		 Reviewer Comment (2018-05-21): received exception approval for reserves based on payment shock, DTI and FICO score


Reviewer Comment (2018-05-21): has comp factors


Reviewer Comment (2018-05-03): No compensating factors listed.
     05/21/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203355883 [Redacted] [Redacted] 6343786 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $34,741.67, while closing CD seller's fees total $23,540.00.           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203355884 [Redacted] [Redacted] 6357004 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] NV Investment Purchase   C B C B     C A     No
203355884 [Redacted] [Redacted] 6357171 [Redacted] [Redacted] Credit Assets Asset Documentation Aged document: Asset Account date is more than 90 days prior to the note.   The borrower's Annuity statement dated 01/02/2018 is > 90 days from the note/closed date on [Redacted].  Guidelines require asset documentation to be verified within 90 days of closing. Credit score, credit history, LTV Reviewer Comment (2018-05-17): Rec'd exception for reserve requirements not met, annuity statement > 90 days from the note date.  Prepayment penalty waived.
     05/17/2018 2 B [Redacted] NV Investment Purchase   C B C B     C A     No
203355884 [Redacted] [Redacted] 6358798 [Redacted] [Redacted] Credit Assets Asset Documentation Insufficient funds for Reserves. Guidelines require $6,510.12, and verified reserves are $2,076.20. The borrower's Annuity statement dated 01/02/2018 is > 90 days from the note/closing date on [Redacted], these funds need to be verified within 90 days of closing in order to meet the program minimum 6 month reserve requirement. Credit score, credit history, LTV Reviewer Comment (2018-05-18): Rec'd exception for reserve requirements not met; annuity statement > 90 days from the note date.
     05/18/2018 2 B [Redacted] NV Investment Purchase   C B C B     C A     No
203355884 [Redacted] [Redacted] 6359323 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Loan does not have a prepayment penalty, which is required for program.  No buyout reflected on loan closing docs. Credit score, credit history, LTV Reviewer Comment (2018-05-17): Rec'd exception for reserve requirements not met, annuity statement > 90 days from the note date.  Prepayment penalty waived.
     05/17/2018 2 B [Redacted] NV Investment Purchase   C B C B     C A     No
203355885 [Redacted] [Redacted] 6366780 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] MI Primary Purchase   C A A A B A C A Non QM Non QM No
203355885 [Redacted] [Redacted] 6403755 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-09): Borrower's e-Disclosure Agreement has been provided.
 05/09/2018     1 A [Redacted] MI Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203355886 [Redacted] [Redacted] 6370683 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] NJ Primary Refinance - Cash-out - Other   C A C A C A C A Non QM Non QM No
203355886 [Redacted] [Redacted] 6410540 [Redacted] [Redacted] Credit Title Missing Document Final Title Policy is missing. No evidence of title in file.   No Title Commitment or Final Title found in file   Reviewer Comment (2018-05-11): Final title policy has been provided.


Reviewer Comment (2018-05-09): Documents provided consist of CPL, invoice and endorsement page.  Neither preliminary nor final title policy were provided.  Exception remains.
 05/11/2018     1 A [Redacted] NJ Primary Refinance - Cash-out - Other   C A C A C A C A Non QM Non QM No
203355886 [Redacted] [Redacted] 6410649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 04/06/2018 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation Final CD signed xx/xx/xxxx   Reviewer Comment (2018-05-11): Evidence of borrower's receipt of the revised CD 3 days prior to closing has been provided.


Reviewer Comment (2018-05-09): The screen shot provided does not indicate that the documentation was received by the borrowers.  Received method and actual received date fields are blank for borrower and co-borrower.  It appears to be referring to the closing docs that were sent to the closing agent, as per the Disclosure tracking document located in the file.
 05/11/2018     1 A [Redacted] NJ Primary Refinance - Cash-out - Other No Defined Cure C A C A C A C A Non QM Non QM No
203355887 [Redacted] [Redacted] 6344649 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Missing asset documentation to support balances stated on Final 1003.   Reviewer Comment (2018-05-04): Updated asset statement and evidence that earnest money deposit has cleared the borrower's account have been provided. Assets sufficient for closing and reserves.
 05/04/2018     1 A [Redacted] NV Primary Purchase   C B C A B B C A Non QM Non QM No
203355887 [Redacted] [Redacted] 6344724 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] NV Primary Purchase   C B C A B B C A Non QM Non QM No
203355887 [Redacted] [Redacted] 6344738 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $10,967.82 is less than Cash From Borrower $30,381.32. Asset documentation to support amounts disclosed on Final 1003 not provided; no asset statements for account #xxxx provided and missing source documentation for EMD.   Reviewer Comment (2018-05-04): Updated asset statement and evidence that earnest money deposit has cleared the borrower's account have been provided. Assets sufficient for closing and reserves.


Buyer Comment (2018-05-04): please note cash to close $28,880.32
 05/04/2018     1 A [Redacted] NV Primary Purchase   C B C A B B C A Non QM Non QM No
203355887 [Redacted] [Redacted] 6350274 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $11,792.45 while Borrower CD seller's fees total $12,697.95.           2 B [Redacted] NV Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203355888 [Redacted] [Redacted] 6355255 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-31): Received secondary appraisal
 05/31/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203355888 [Redacted] [Redacted] 6355389 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses $181,425.00 15% FIRPTA Withholding, $111.00 HOA Dues, $99.00 Natural Hazard Report, $85.00 Pest Inspection and $325.00 Transfer and $24,899.00 With Holding Payment to Franchise Tax Board fees and or amounts paid by Seller at closing that are not disclosed on Consumer’s CD           2 B [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203355888 [Redacted] [Redacted] 6355660 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TOP 129.43400 > Calculated TOP 127.23900%.  Used Index Value = 2.46938% for testing.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203355888 [Redacted] [Redacted] 6376454 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] CA Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203355889 [Redacted] [Redacted] 6327159 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.70029% exceeds Guideline total debt ratio of 45.00000%. 48.70% > 45% Portfolio Select Bank Statement program.  Lender's 48.71% > 45%.  Lender's Credit Risk Summary & Exception Approval in file acknowledging bank statement requirements not met.  Compensating factors: Credit History, 5.77% payment shock and $8,233.45 residual income. Residual income of $8,752 exceeds guideline requirement of $2,000

Payment increase of 7.6% is less than the guideline maximum of 200%.

Credit history shows 0 lates in the last 3 years.		 Reviewer Comment (2018-05-02): Lender's Credit Risk Summary & Exception Approval in file acknowledging bank statement requirements not met.  Compensating factors: Credit History, 5.77% payment shock and $8,233.45 residual income.
     05/02/2018 2 B [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203355889 [Redacted] [Redacted] 6327204 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203355889 [Redacted] [Redacted] 6339826 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Business bank statement program requires 24 months business bank statements and the loan file contains 19 months business bank statements and 5 months personal bank statements but meets the exception policy based on compensating factors Credit History, payment shock < 250% and > $2,000 residual income. Residual income of $8,752 exceeds guideline requirement of $2,000

Payment increase of 7.6% is less than the guideline maximum of 200%.

Credit history shows 0 lates in the last 3 years.		 Reviewer Comment (2018-05-02): Credit Risk Summary & Exception approval p262
     05/02/2018 2 B [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203355889 [Redacted] [Redacted] 6339835 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 141.49700% > Calculated TIP 137.01700%. Used Index Value = 2.45969% for testing.           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203355889 [Redacted] [Redacted] 6343057 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 662 is less than Guideline representative FICO score of 700. 662 (lowest middle score of all borrowers) < 700 @ 90% LTV Portfolio Select Bank Statement program. Lender's approval and pricing based on 662 score. Exception not acknowledged by Lender.   Reviewer Comment (2018-05-07): Minimum score allowed is 660 - loan meets guidelines
 05/07/2018     1 A [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203355889 [Redacted] [Redacted] 6343634 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   19 months business bank statements < 24 months business bank statements required under Portfolio Select Bank Statement program. Lender's $16,052.00 income amount used to qualify based on a total deposits per 19 months business and 5 months personal bank statements, less the percent of business expenses, annualized.  Lender's Credit Risk Summary & Exception Approval in file acknowledging bank statement requirements not met.  Compensating factors: Credit History, 5.77% payment shock and $8,233.45 residual income. Residual income of $8,752 exceeds guideline requirement of $2,000

Payment increase of 7.6% is less than the guideline maximum of 200%.

Credit history shows 0 lates in the last 3 years.		 Reviewer Comment (2018-05-02): Lender's Credit Risk Summary & Exception Approval in file acknowledging bank statement requirements not met.  Compensating factors: Credit History, 5.77% payment shock and $8,233.45 residual income.
     05/02/2018 2 B [Redacted] GA Primary Purchase   C B C B B B C A Non QM Non QM No
203355889 [Redacted] [Redacted] 6343858 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-04): Evidence of borrowers' consent has been provided.
 05/04/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203355892 [Redacted] [Redacted] 6350294 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.12585% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 268.. DTI > maximum allowed. Compensating Factors: 1) Residual Income. 2) Stable Employment History. Borrower has job stability for 16 years as a [Redacted]

$2,220.38 Residual Income		 Reviewer Comment (2018-05-03): Compensating Factors: 1) Residual Income. 2) Stable Employment History.
     05/03/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B A A C A Non QM Non QM No
203355892 [Redacted] [Redacted] 6350336 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Debt Consolidation   C B C B A A C A Non QM Non QM No
203355894 [Redacted] [Redacted] 6357604 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] KY Primary Refinance - Cash-out - Debt Consolidation   C A A A A A C A Non QM Non QM No
203355895 [Redacted] [Redacted] 6371150 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C A C A A A C A Non QM Non QM No
203355895 [Redacted] [Redacted] 6384345 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   Spouses middle name corrected to [REDACTED] on Mortgage but not on Warranty Deed and Title Commitment. (Drivers license shows [REDACTED] as middle name too)   Reviewer Comment (2018-05-23): Both iterations of the name are on the same name affidavit


Reviewer Comment (2018-05-18): Rec'd name affidavit.  Need corrected warranty deed and evidence of re-recording.


Reviewer Comment (2018-05-09): A closing Protection Letter has been provided, but is insufficient to clear this exception.
 05/23/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C A C A A A C A Non QM Non QM No
203355896 [Redacted] [Redacted] 6362989 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] PA Primary Purchase   C A C A A A C A Non QM Non QM No
203355896 [Redacted] [Redacted] 6379391 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   The 1003 does not reflect a lien on borrower's departure residence at 13677 Route 36, however the hazard insurance dec page has a loss-payee listed.  Provide evidence property is owned free & clear or satisfactory verification of mortgage.  DTI subject to change.   Reviewer Comment (2018-05-08): Updated insurance declarations on departure residence provided showing policy change 3/6/18 to eliminate mortgagee.
 05/08/2018     1 A [Redacted] PA Primary Purchase   C A C A A A C A Non QM Non QM No
203355897 [Redacted] [Redacted] 6373224 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203355897 [Redacted] [Redacted] 6374010 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Missing Seller CD for subject transaction.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203355897 [Redacted] [Redacted] 6388299 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Telephone Listing / Internet Search / Directory Assistance Need verification of existence of business within 10 days of the Note date: [Redacted].   Reviewer Comment (2018-05-08): A third party verification of the borrower's business dated within 10 days of closing has been provided.
 05/08/2018     1 A [Redacted] CA Primary Purchase   C B C A C B C A Non QM Non QM No
203355897 [Redacted] [Redacted] 6388385 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $62.50 + $125.00   Reviewer Comment (2018-05-08): Client has provided attestation that these fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/08/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203355897 [Redacted] [Redacted] 6388386 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $62.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77185) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-08): Client has provided attestation that these fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/08/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203355897 [Redacted] [Redacted] 6388387 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-08): Client has provided attestation that these fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/08/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203355898 [Redacted] [Redacted] 6372146 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355898 [Redacted] [Redacted] 6372414 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.40122% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 490. DTI > maximum allowed. Compensating Factors: 1) Residual Income. 2) Stable Employment History. Borrower has employment stability for 7 years [Redacted].

Borrower on this Full documentation loan has a disposable income of $16,351.15		 Reviewer Comment (2018-05-07): Compensating Factors: 1) Residual Income. 2) Stable Employment History.
     05/07/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355898 [Redacted] [Redacted] 6372451 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted]  Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. ([REDACTED]/S-Corp) No 2017 personal or business returns filed and no proof of extension provided.           2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355898 [Redacted] [Redacted] 6372454 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) There is an $18 recording fee in Section H of Seller Closing Disclosure not provided on consumer closing disclosure. Section C Recording Service Fee $225.00 paid by seller at closing is not disclosed on Seller CD.           2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM Yes
203355898 [Redacted] [Redacted] 6395042 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 655 is less than Guideline representative FICO score of 660. 660 minimum score required per Platinum matrix. Borrower has employment stability for 7 years [Redacted].

Borrower on this Full documentation loan has a disposable income of $16,351.15		 Reviewer Comment (2018-05-08): Client has elected to waive minimum credit score requirement.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:  Stable employment history; residual income.
     05/08/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203355899 [Redacted] [Redacted] 6357981 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] MI Investment Refinance - Cash-out - Other   C A A A     C A     No
203355900 [Redacted] [Redacted] 6360041 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.32 is less than Guideline PITIA months reserves of 6.00. 2.32 < 6 Borrower on this 24 Bank Statement  documentation loan has a disposable income of $3,9914.09, in excess of guideline requirement of $3,000.00. Reviewer Comment (2018-05-07): Lender has elected to waive reserve requirement of 6 months PITIA.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:  Residual income; credit history.
     05/07/2018 2 B [Redacted] OH Primary Purchase   C B C B C B C A Non QM Non QM No
203355900 [Redacted] [Redacted] 6360068 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] OH Primary Purchase   C B C B C B C A Non QM Non QM No
203355900 [Redacted] [Redacted] 6360107 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.             2 B [Redacted] OH Primary Purchase   C B C B C B C A Non QM Non QM No
203355900 [Redacted] [Redacted] 6360129 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Field was left blank.           2 B [Redacted] OH Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203355900 [Redacted] [Redacted] 6377007 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.39019% exceeds Guideline total debt ratio of 45.00000%. 49.39 > 45% Borrower on this 24 Bank Statement  documentation loan has a disposable income of $3,9914.09, in excess of guideline requirement of $3,000.00. Reviewer Comment (2018-05-07): Client has elected to waive requirement for DTI not to exceed 45%.  Credit Risk Assessment & Exception Approval has been provided.  Compensating factors:  Residual income, credit history.
     05/07/2018 2 B [Redacted] OH Primary Purchase   C B C B C B C A Non QM Non QM No
203355900 [Redacted] [Redacted] 6377043 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-05-07): Lender has elected to waive;  Credit Risk Summary& Exception Approval has been provided.  Compensating factors:  Residual income; credit history.
 05/07/2018     1 A [Redacted] OH Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203355900 [Redacted] [Redacted] 6377044 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI   Reviewer Comment (2018-05-07): Lender has elected to waive;  Credit Risk Summary& Exception Approval has been provided.  Compensating factors:  Residual income; credit history.
 05/07/2018     1 A [Redacted] OH Primary Purchase   C B C B C B C A Non QM Non QM No
203355901 [Redacted] [Redacted] 6333147 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] WA Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203355901 [Redacted] [Redacted] 6333387 [Redacted] [Redacted] Credit Compliance Miscellaneous Compliance Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. Date Issued: xx/xx/xxxx / Relative Sequence Num: <empty> Missing Final CD, file only contains a Post Close CD which reflects borrowers having to bring $1,020.05 to closing.   Reviewer Comment (2018-05-01): Post Close CD issued 04/17/2018 reflects borrowers having to bring $1,020.05 to closing.
 05/01/2018     1 A [Redacted] WA Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203355901 [Redacted] [Redacted] 6333654 [Redacted] [Redacted] 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. Consummation CD missing.  Initial Escrow Disclosure value matches post close CD provided.   Reviewer Comment (2018-05-01): PC CD issued 04/17/2018 reflects correct escrow account value.
 05/01/2018     1 A [Redacted] WA Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203355901 [Redacted] [Redacted] 6333655 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Initial Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. Missing final CD.
PC CD issued on xx/xx/xxxx reflects the correct closing date, however, the LOE to the borrower was not provided.		   Reviewer Comment (2018-05-04): A corrected post close CD, letter of explanation to the borrowers and evidence of delivery have been provided.
   05/04/2018   1 A [Redacted] WA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203355901 [Redacted] [Redacted] 6333656 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/419508) Projected Payments: Initial Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. Missing final CD
PC CD issued xx/xx/xxxx reflects correct escrow payment, however, the LOE to the borrower and proof of delivery were not provided.		   Reviewer Comment (2018-05-04): A corrected post close CD, letter of explanation to the borrowers and evidence of delivery have been provided.
   05/04/2018   2 B [Redacted] WA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203355901 [Redacted] [Redacted] 6333657 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/419508) Projected Payments: Initial Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. Missing final CD
PC CD issued xx/xx/xxxx reflects correct escrow payment, however, the LOE to the borrower and proof of delivery were not provided.		   Reviewer Comment (2018-05-04): A corrected post close CD, letter of explanation to the borrower and evidence of delivery have been provided.
   05/04/2018   2 B [Redacted] WA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203355901 [Redacted] [Redacted] 6335147 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.66071% exceeds Guideline total debt ratio of 45.00000%. DTI > Max allowed.  Lender exception approval granted (pg. 180) with comp factors: Payment shock and residual income. Payment shock of -5.896% is < 350% guideline max.  Housing payment decreasing by $299.27/mo.

Borrower on this Full documentation loan has a disposable income of $7,089.16 > $3,000.00 guideline minimum		 Reviewer Comment (2018-05-01): Lender exception approval provided.
     05/01/2018 2 B [Redacted] WA Primary Refinance - Rate/Term   C B C B C B C A Non QM Non QM No
203355902 [Redacted] [Redacted] 6340069 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203355902 [Redacted] [Redacted] 6340133 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for Document Preparation Fee of $60.00 was not provided.   Reviewer Comment (2018-05-03): Lender provided attestation that title - doc prep fee was required by the provider selected by the borrower.  No zero percent tolerance violation exists.
 05/03/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203355902 [Redacted] [Redacted] 6340134 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $60.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7725) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-03): Lender provided attestation that title - doc prep fee was required by the provider selected by the borrower.  No zero percent tolerance violation exists.
 05/03/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203355902 [Redacted] [Redacted] 6348743 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of [Redacted] is greater than Guideline total cash-out of $200,000.00. Cash-Out exceeds maximum amount of $200,000 for 80% LTV and no exception approval is evident. Borrower has job stability for 17 years as [Redacted].

728 representative FICO score > 660 guideline minimum - 68 points above guideline minimum

Borrower on this Bank Statement Documentation loan has residual income of $17,307.88, in excess of guideline minimum requirement of $3,000.		 Reviewer Comment (2018-05-06): Client elects to waive the exception for cash out amount exceeding the guideline maximum.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:  Stable employment history; credit score; residual income.
     05/06/2018 2 B [Redacted] AL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203355902 [Redacted] [Redacted] 6348979 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   Housing Payment Shock does exceed 300% and no exception approval is evident.   Reviewer Comment (2018-05-07): Prior to this transaction, property was owned free and clear.  Payment shock not applicable.


Buyer Comment (2018-05-04): Payment shock is not considered home was owned free and clear
 05/07/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203355902 [Redacted] [Redacted] 6349808 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Other Compliance Exception (Manual Add)   Missing Closing Disclosure sent 04/04/2018 per the Disclosure Tracking Summary dated 04/23/2018.   Reviewer Comment (2018-05-04): The CD issued 4/4/18 has been provided.


Reviewer Comment (2018-05-03): A copy of the actual CD sent to the borrower on 4/4/18 is required.  Exception remains.
 05/04/2018     1 A [Redacted] AL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM Yes
203355903 [Redacted] [Redacted] 6356738 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $213,972.71 is less than Cash From Borrower $551,375.95. $213,972.71 < $551,375.95   Reviewer Comment (2018-05-07): Settlement statement from sale of [REDACTED] netting borrowers $505,986.15 has been provided.
 05/07/2018     1 A [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203355903 [Redacted] [Redacted] 6356992 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-04): Appraisal effective date 3/22/18
     05/04/2018 2 B [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203355903 [Redacted] [Redacted] 6357013 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy.   Asset statement provided show Borrower Short funds to close.  No reserves available.   Reviewer Comment (2018-05-07): Settlement statement from sale of [REDACTED] property has been provided evidencing borrowers netted $505,986.15 has been provided.  Reserve requirement met.
 05/07/2018     1 A [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203355903 [Redacted] [Redacted] 6357195 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 4, # of mos. field is blank.  $9,842.85 Property Taxes paid by Seller at closing.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203355903 [Redacted] [Redacted] 6363216 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Initial Closing Disclosure dated 4/4/2018 received 4/7/2018 > 4/5/2018 (xx/xx/xxxx closing date less 3)   Reviewer Comment (2018-05-07): Evidence borrowers received the initial CD on xx/xx/xxxx has been provided.
 05/07/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B C B A A Non QM Non QM No
203355903 [Redacted] [Redacted] 6363708 [Redacted] [Redacted] Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation.   Missing verification current residence, pending sale [REDACTED], sold prior to closing, payoff of [Redacted] mortgage, net proceeds to Borrower, receipt of funds / escrows receipts of funds.   Reviewer Comment (2018-05-07): Final settlement statement from sale of [REDACTED] has been provided.
 05/07/2018     1 A [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203355903 [Redacted] [Redacted] 6363732 [Redacted] [Redacted] Credit Assets Asset Calculation / Analysis Guideline Requirement: Available for Reserves discrepancy. Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $64,911.90. Missing verification $64,911.90 PITI reserves (6 x subject + 6 current residence pending sale) Platinum program   Reviewer Comment (2018-05-07): Final settlement statement from sale of [REDACTED] netting borrowers $505,986.15 has been provided.  Borrowers' reserve requirement has been met.
 05/07/2018     1 A [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203355903 [Redacted] [Redacted] 6363749 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer's CD discloses higher $3,225.00 Title - Owner's Title Insurance fee amount paid by Seller at closing vs. $1,475.00 disclosed on Seller's CD           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203355903 [Redacted] [Redacted] 6363756 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] CA Primary Purchase No Defined Cure C B C B C B A A Non QM Non QM No
203355904 [Redacted] [Redacted] 6359944 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Income documentation does not meet guidelines criteria but meets exception policy based on compensating factors of $7,947.07 monthly residual income and 73.7% payment shock.  File is missing March and April 2016 Bank Statements. 25.76% DTI on this (Alt) documentation loan < 45% guideline max

12.24 months reserves > 6 months guideline minimum - borrowers have verified reserves of $23,391.03

Borrower on this (Alt) documentation loan has a disposable income of $7,099.56 vs $3,000 minimum requirement.		 Reviewer Comment (2018-05-03): Meets exception policy per Credit Risk Summary & Exception Approval.
     05/03/2018 2 B [Redacted] FL Primary Purchase   C B C B A A A A Non QM Non QM No
203355905 [Redacted] [Redacted] 6326434 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C A A A C A C A Non QM Non QM No
203355905 [Redacted] [Redacted] 6326553 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for Title - E-Recording Fee of $4.50 was not provided; Fee was not disclosed on Loan Estimate and is not paid to the same provider as other fees that were disclosed on the LE.   Reviewer Comment (2018-05-02): Lender provided attestation that Title - E-Recording Fee was required by the vendor selected by the borrower.
 05/02/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203355905 [Redacted] [Redacted] 6326554 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee was not disclosed on Loan Estimate and is not paid to the same provider as other fees that were disclosed on the LE.   Reviewer Comment (2018-05-02): Lender provided attestation that Title - E-Recording Fee was required by the vendor selected by the borrower.
 05/02/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203355906 [Redacted] [Redacted] 6341878 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CO Primary Purchase   C B C B A A C A Non QM Non QM No
203355906 [Redacted] [Redacted] 6348124 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Missing verification of existence of business within 10 days of the Note. DTI of 41.47% is  less than guideline maximum of 45%

[Redacted] LTV < 80% guideline max -  $420,687.50 more equity than required by program guidelines		 Reviewer Comment (2018-05-06): Client elects to waive requirement for third party verification of the borrower's business within 10 days of closing.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:   Low DTI; low LTV.
     05/06/2018 2 B [Redacted] CO Primary Purchase   C B C B A A C A Non QM Non QM No
203355907 [Redacted] [Redacted] 6349212 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] NM Primary Purchase   C B C B B B C A Non QM Non QM No
203355907 [Redacted] [Redacted] 6362974 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $20,123.82 while Borrower CD seller's fees total $12,229.75.           2 B [Redacted] NM Primary Purchase   C B C B B B C A Non QM Non QM Yes
203355907 [Redacted] [Redacted] 6363934 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Borrower has less than 24 months business bank statements to qualify for business bank statement program. Lender exception approval for use of 24 month average of 18 months business bank statements. Comp factors: Credit history Consumer credit payment history is 0x30 since 10/1994.  Borrower had 1.7 million business line of credit with payment history of 0x30 from 09/2006 - 03/2014. Reviewer Comment (2018-05-03): Lender exception approval was provided.
     05/03/2018 2 B [Redacted] NM Primary Purchase   C B C B B B C A Non QM Non QM No
203355908 [Redacted] [Redacted] 6406667 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM No
203355908 [Redacted] [Redacted] 6409658 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] TX Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203355908 [Redacted] [Redacted] 6409739 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer CD discloses a higher $150.00 Title - Document fee paid by Seller at closing vs $100.00 disclosed on Seller CD.  Consumer CD discloses $205.65 Title - Endorsement fee and $858.00 Title - Owner's Title Insurance fee paid by Seller at closing not disclosed on Seller's CD.  Seller's CD discloses a $475.00 Title - Settlement fee paid by Seller at closing  not disclosed on Consumer's CD.           2 B [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM Yes
203355909 [Redacted] [Redacted] 6322378 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Credit Report not provided   Missing Lender's credit report used to support 701 qualifying score used for Lender;s approval   Reviewer Comment (2018-05-02): A copy of the credit report has been provided.
 05/02/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355909 [Redacted] [Redacted] 6322631 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355909 [Redacted] [Redacted] 6322805 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Missing credit report   Reviewer Comment (2018-05-02): A copy of the credit report used at origination has been provided.
 05/02/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status D B D A C B C A Non QM Non QM Yes
203355909 [Redacted] [Redacted] 6322807 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. Missing credit report   Reviewer Comment (2018-05-02): A copy of the credit report used at origination has been provided.
 05/02/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355909 [Redacted] [Redacted] 6322809 [Redacted] [Redacted] Compliance Compliance Federal Compliance NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. Missing credit report   Reviewer Comment (2018-05-02): Alll debts and rental income have been verified.
 05/02/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355909 [Redacted] [Redacted] 6322811 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses a $10.00 Assignment of Mortgage fee paid by Seller at closing is not disclosed on Consumer CD.  Seller CD discloses a higher $18.00.00 E-recording fee amount paid by Seller at closing vs $13.50 disclosed on Consumer's CD           2 B [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM Yes
203355909 [Redacted] [Redacted] 6323038 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance coverage of $550,000 is insufficient to cover estimated cost new of $660,439.00 reported on the appraisal.   Reviewer Comment (2018-05-02): Insurer's Replacement Cost Estimate has been provided.  Coverage is sufficient.
 05/02/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355909 [Redacted] [Redacted] 6328075 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $85.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) $85.00 Title - Courier Fee not disclosed on Loan Estimate dated 4/2/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $85.00 tolerance.   Reviewer Comment (2018-05-02): Lender provided attestation that Recording Service Fee, Courier Fee and Wire/Funding Fee were required by the provider chosen by the borrower.  No zero percent tolerance violation exists.
 05/02/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D A C B C A Non QM Non QM Yes
203355909 [Redacted] [Redacted] 6328076 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $9.00 Title - Recording Fee not disclosed on Loan Estimate dated 4/2/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $9.00 tolerance.   Reviewer Comment (2018-05-02): Lender provided attestation that Recording Service Fee, Courier Fee and Wire/Funding Fee were required by the provider chosen by the borrower.  No zero percent tolerance violation exists.
 05/02/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D A C B C A Non QM Non QM Yes
203355909 [Redacted] [Redacted] 6328077 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77190) $75.00 Title - Wire Fee not disclosed on Loan Estimate dated 4/2/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $75.00 tolerance.   Reviewer Comment (2018-05-02): Lender provided attestation that Recording Service Fee, Courier Fee and Wire/Funding Fee were required by the provider chosen by the borrower.  No zero percent tolerance violation exists.
 05/02/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D A C B C A Non QM Non QM Yes
203355909 [Redacted] [Redacted] 6328091 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. [Redacted] Final Closing Disclosure does not disclose a Lender cure credit for $169.00 Zero Percent tolerance.   Reviewer Comment (2018-05-02): Lender provided attestation that Recording Service Fee, Courier Fee and Wire/Funding Fee were required by the provider chosen by the borrower.  No zero percent tolerance violation exists.
 05/02/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A C B C A Non QM Non QM Yes
203355909 [Redacted] [Redacted] 6331605 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Missing Credit Report Comparison   Reviewer Comment (2018-05-02): Credit report comparison has been provided.
 05/02/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355909 [Redacted] [Redacted] 6331663 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing [READACTED (#xxxxxxxxx) mortgage statement verifying $3,804.00 payment includes escrow for property taxes, hazard insurance and HOA for [REDACTED] property   Reviewer Comment (2018-05-02): Mortgage statement verifying escrows are included and evidence that there are no HOA dues on the property at [REDACTED] have been provided.
 05/02/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355909 [Redacted] [Redacted] 6331873 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing fully executed lease agreement, security deposit from the tenant and Bank statement showing the deposited security funds to support $3,804.00 gross rents, per 1003 Schedule of REO section, for current primary residence, [REDACTED], converted to investment property used to support maximum “wash” of the current mortgage PITIA.  Lender's 32.80% DTI does not include a negative monthly cash flow for property   Reviewer Comment (2018-05-02): A copy of the lease agreement, the security deposit check from the tenant, and evidence of deposit of the check into the borrower's account have been provided.
 05/02/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355909 [Redacted] [Redacted] 6331930 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   Missing VOM for [REDACTED] (#xxxxxxxxx) mortgage secured by [REDACTED] property   Reviewer Comment (2018-05-02): Credit report provided verifies 24 month history of the mortgage with no delinquencies.
 05/02/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355909 [Redacted] [Redacted] 6332856 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Income and Assets - REO 25% Method Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (Non-Subject Investment/25% Vacancy Method) Missing fully executed lease agreement, security deposit from the tenant and Bank statement showing the deposited security funds to support $3,804.00 gross rents, per 1003 Schedule of REO section, for current primary residence, [REDACTED], converted to investment property   Reviewer Comment (2018-05-02): A copy of the lease, deposit check and evidence of deposit of the check into the borrower's bank account  have been provided.
 05/02/2018     1 A [Redacted] FL Primary Purchase   D B D A C B C A Non QM Non QM No
203355911 [Redacted] [Redacted] 6341655 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Primary Purchase   C A A A A A C A Non QM Non QM No
203355912 [Redacted] [Redacted] 6347307 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD fees total $48,063.50, while closing CD seller's fees total $48,229.50           2 B [Redacted] OR Primary Purchase   C B A A B B C A Non QM Non QM Yes
203355912 [Redacted] [Redacted] 6347424 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] OR Primary Purchase   C B A A B B C A Non QM Non QM No
203355913 [Redacted] [Redacted] 6333515 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.64925% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 344. DTI > maximum allowed. Compensating Factors: 1) Credit Score. 2) Credit History. 3) Residual Income. 758 representative FICO score > 660 guideline minimum

$8,282.26 Residual Income using Bank Statement documentation		 Reviewer Comment (2018-05-02): Compensating Factors: 1) Credit Score. 2) Credit History. 3) Residual Income.
     05/02/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203355913 [Redacted] [Redacted] 6333516 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203355913 [Redacted] [Redacted] 6333991 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Total Closing Costs exceed the legal limit due to addition of undisclosed Title- Electronic Recording Service fee of $4.50.   Reviewer Comment (2018-05-06): Lender provided attestation that  the Recording Service Fee was required by the vendor selected by the borrower. No zero percent tolerance violation exists.
 05/06/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203355913 [Redacted] [Redacted] 6333992 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $4.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) This fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-05-06): Lender provided attestation that  the Recording Service Fee was required by the vendor selected by the borrower. No zero percent tolerance violation exists.
 05/06/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203355913 [Redacted] [Redacted] 6341882 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 80.00000%. LTV does exceed 80% for Cash-Out Refinance and no exception Approval is evident. 758 representative FICO score > 660 guideline minimum

$8,282.26 Residual Income using Bank Statement documentation		 Reviewer Comment (2018-05-06): Client has elected to waive exception for LTV exceeding the guideline maximum.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:  Credit score; credit history; residual income.
     05/06/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203355913 [Redacted] [Redacted] 6341885 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of 80.00000%. CLTV does exceed 80% for Cash-Out Refinance and no exception Approval is evident. 758 representative FICO score > 660 guideline minimum

$8,282.26 Residual Income using Bank Statement documentation		 Reviewer Comment (2018-05-06): Client has elected to waive exception for CLTV exceeding the guideline maximum.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:  Credit score; credit history; residual income.
     05/06/2018 2 B [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203355913 [Redacted] [Redacted] 6343836 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Title Error: Title vesting does not concur with deed   .Co-Borrower last name is spelled incorrectly on all Closing documents, including the Note and Mortgage ([REDACTED] vs [REDACTED])   Reviewer Comment (2018-05-08): Rec'd signature/name affidavit reflecting both spellings of coborrower's name.
 05/08/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B C B C A C A Non QM Non QM No
203355915 [Redacted] [Redacted] 6354605 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CA Investment Refinance - Rate/Term   C B C B     C A     No
203355915 [Redacted] [Redacted] 6359978 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 subject in FEMA disaster area. Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-07): effective date 3/20/18
     05/07/2018 2 B [Redacted] CA Investment Refinance - Rate/Term   C B C B     C A     No
203355915 [Redacted] [Redacted] 6360093 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Missing a CPA letter confirming the withdrawal of business assets  will not harm the financial strength of the business as required per guidelines for use of business funds for reserves. No exception in file. LTV @ 51% Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] CA Investment Refinance - Rate/Term   C B C B     C A     No
203355916 [Redacted] [Redacted] 6346698 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203355916 [Redacted] [Redacted] 6346722 [Redacted] [Redacted] Credit System General Insurance address does not match Note address.   Property Insurance subject address [REDACTED] vs. Note subject address [REDACTED]   Reviewer Comment (2018-05-08): Address is one and the same as verified, with legal description and tax bill and USPS
 05/08/2018     1 A [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203355916 [Redacted] [Redacted] 6346727 [Redacted] [Redacted] Credit System General Flood Certificate Subject Address does not match Note address.   Flood Cert subject address [REDACTED] vs. Note subject address [REDACTED]   Reviewer Comment (2018-05-08): Address is one and the same as verified, with legal description and tax bill and USPS
 05/08/2018     1 A [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203355916 [Redacted] [Redacted] 6346811 [Redacted] [Redacted] Credit System General Valuation address does not match Note address. Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx Valuation subject address [REDACTED] vs. Note subject address [REDACTED]   Reviewer Comment (2018-05-08): Address is one and the same as verified, with legal description and tax bill and USPS
 05/08/2018     1 A [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203355916 [Redacted] [Redacted] 6347173 [Redacted] [Redacted] Compliance Compliance Federal Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Appraisal valuation subject address [REDACTED] vs. Note subject address [REDACTED]           2 B [Redacted] GA Primary Purchase   C B C A B B C A Non QM Non QM No
203355917 [Redacted] [Redacted] 6375261 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Credit Report not provided   Missing origination credit report for both the Borrower and Co-Borrower.   Reviewer Comment (2018-05-09): The credit reports from 2/14/18 have been provided for each borrower.
 05/09/2018     1 A [Redacted] CA Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM No
203355917 [Redacted] [Redacted] 6375738 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Loan submitted as Higher Priced QM   Reviewer Comment (2018-05-11): Updated designation from original tape
 05/11/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status D B D B C B C A Safe Harbor QM Safe Harbor QM Yes
203355917 [Redacted] [Redacted] 6375740 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Disclosure reflects Closing Date of (xx/xx/xxxx8), but transaction consummation (mortgage notary) date was (xx/xx/xxxx).           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D B C B C A Safe Harbor QM Safe Harbor QM Yes
203355917 [Redacted] [Redacted] 6376035 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CA Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM No
203355917 [Redacted] [Redacted] 6399081 [Redacted] [Redacted] Credit Guideline Guideline Issue Guideline Issue:  non-occupant co-borrower.   Credit Risk Summary & Exception Approval in file, page 443. Non-occupant coborrower not allowed: Giving exception for allowing a non-occupant co-borrower. Compensating Factors: 1) Credit Score. 2) Reserves. 3) Residual Income. 753 > 720 minimum score

250 months reserves > 12 months guideline minimum - borrowers have verified reserves of $877,008.22

Borrower on this Full documentation loan has a disposable income of $16,313.85		 Reviewer Comment (2018-05-08): Compensating Factors: 1) Credit Score. 2) Reserves. 3) Residual Income.
     05/08/2018 2 B [Redacted] CA Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM No
203355917 [Redacted] [Redacted] 6400669 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   All Title fees reflected in section C, should be in section B.  Provider used is listed on the SSPL.           2 B [Redacted] CA Primary Purchase Good Faith Redisclosure D B D B C B C A Safe Harbor QM Safe Harbor QM Yes
203355917 [Redacted] [Redacted] 6401963 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller's CD reflects $58,069.72, calculates to be $60,197.72.           2 B [Redacted] CA Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM Yes
203355917 [Redacted] [Redacted] 6410378 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Missing 3rd party VVOE within 10 days of closing for [Redacted] 753 > 720 minimum score

250 months reserves > 12 months guideline minimum - borrowers have verified reserves of $877,008.22

Borrower on this Full documentation loan has a disposable income of $16,313.85		 Reviewer Comment (2018-05-09): Client elects to waive requirement for third party verification of the borrower's business within 10 days of closing.  Credit Risk Summary and Exception Approval provided.  Compensating factors:  Residual income; reserves; credit score.
     05/09/2018 2 B [Redacted] CA Primary Purchase   D B D B C B C A Safe Harbor QM Safe Harbor QM No
203355919 [Redacted] [Redacted] 6355842 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] CO Primary Purchase   C B C B A A C A Non QM Non QM No
203355919 [Redacted] [Redacted] 6368767 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.85311% exceeds Guideline total debt ratio of 45.00000%. 45.85% > 45% Platinum 1 Year Tax Return Eligibility program.   Lender's 45.78% > 45%.  Lender's Credit Risk Summary & Exception Approval.  Compensating factors:  Credit History and $9,154.42 Residual Income. Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx Reviewer Comment (2018-05-04): Lender's Credit Risk Summary & Exception Approval.  Compensating factors:  Credit History and $9,154.42 Residual Income.
     05/04/2018 2 B [Redacted] CO Primary Purchase   C B C B A A C A Non QM Non QM No
203355919 [Redacted] [Redacted] 6368802 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy AUS Findings: All conditions were not met   Missing 2 years of signed personal and business tax returns as well as full 12 months of cancelled rent checks.   Reviewer Comment (2018-05-09): 1 year SE income program


Reviewer Comment (2018-05-09): Update per TR, Missing 12 months cancelled rent checks - tax returns in file.
 05/09/2018     1 A [Redacted] CO Primary Purchase   C B C B A A C A Non QM Non QM No
203355919 [Redacted] [Redacted] 6368813 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] 1065 (2016), K-1 (2016), Third Party Verification 2016 signed personal tax return as well as 2016 1065 and K1 for both businesses is not evident.; Missing 3rd party Verification of employment within 10 days of closing. 775 representative FICO score Reviewer Comment (2018-05-10): Received Credit Risk Summary & Exception approval 5/10/18 for VVOE outside 10 days of closing


Reviewer Comment (2018-05-10): Credit Risk Summary and Exception Approval has been provided for the third party verification of  Alpha Capital not having been obtained within 10 days of closing.  The waiver will be processed when the other documents required to clear this exception have been provided.


Reviewer Comment (2018-05-09): Need third party verification of [REDACTED] within 10 days of Note.


Reviewer Comment (2018-05-09): Third party verification of [REDACTED] has been provided, but it was not obtained within 10 days of closing.  None of the other required documents have been provided.  Exception remains.
     05/10/2018 2 B [Redacted] CO Primary Purchase   C B C B A A C A Non QM Non QM No
203355920 [Redacted] [Redacted] 6355196 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203355920 [Redacted] [Redacted] 6367795 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TOP 129.43400 > Calculated TOP 127.23900%.  Used Index Value = 2.46938% for testing.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203355920 [Redacted] [Redacted] 6369577 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] CA Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203355920 [Redacted] [Redacted] 6369579 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $50,123.00 net difference.   Consumer CD discloses a higher $450.00 Home Warranty Fee amount paid by Seller at closing vs. $425.00 disclosed on Seller's CD.  Seller CD discloses a $2,160.000 Pest Inspection, $36,000.00 10% IRS Withholding and $11,988.00 3.33% State Withholding fees paid at closing that are not disclosed on Consumer's CD.           2 B [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203355921 [Redacted] [Redacted] 6323290 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Primary Refinance - Rate/Term   D A D A A A C A Non QM Non QM No
203355921 [Redacted] [Redacted] 6334893 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided   Missing Warranty Deed from [REDACTED] to [REDACTED] and [REDACTED].   Reviewer Comment (2018-05-02): A copy of the Special Warranty Deed has been provided.
 05/02/2018     1 A [Redacted] FL Primary Refinance - Rate/Term   D A D A A A C A Non QM Non QM No
203355922 [Redacted] [Redacted] 6334551 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] FL Primary Refinance - Rate/Term   C A A A A A C A Non QM Non QM No
203355923 [Redacted] [Redacted] 6350188 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203355923 [Redacted] [Redacted] 6355411 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 166.77300% > Calculated TIP 164.41400%. Used Index Value = 2.61450% for testing.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203355923 [Redacted] [Redacted] 6357292 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.32 is less than Guideline PITIA months reserves of 6.00. 4.32 months < 6 months Non-Prime FTHB program.   Lender's 9 months calculation is not supported by asset documentation in file.   Reviewer Comment (2018-05-07): Asset verification documenting sufficient reserves has been provided.
 05/07/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203355923 [Redacted] [Redacted] 6358918 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203355924 [Redacted] [Redacted] 6353917 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] NJ Primary Purchase   C B C A C B C A Non QM Non QM No
203355924 [Redacted] [Redacted] 6354171 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final Closing Disclosure did not reflect number of months for Property Taxes paid by the seller. (Section F Line 4)           2 B [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203355924 [Redacted] [Redacted] 6354172 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for Attorney Review Fee of $375.00 was not provided.   Reviewer Comment (2018-05-07): Lender provided attestation that Title -  Attorney Review Fee was required by the vendor selected by the borrowers.  No zero percent tolerance violation exists.
 05/07/2018     1 A [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Non QM Non QM Yes
203355924 [Redacted] [Redacted] 6354173 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney Review Fee.  Fee Amount of $375.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77166) Title - Attorney's Fees - Borrower's to [REDACTED], Esquire was not disclosed on LE.   Reviewer Comment (2018-05-07): Lender provided attestation that Title -  Attorney Review Fee was required by the vendor selected by the borrowers.  No zero percent tolerance violation exists.
 05/07/2018     1 A [Redacted] NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Non QM Non QM Yes
203355924 [Redacted] [Redacted] 6360519 [Redacted] [Redacted] Credit Assets Asset Documentation Missing Document: Asset Documentation not provided   Missing documentation to confirm asset ownership for TD Bank account ending in [Redacted].   Reviewer Comment (2018-05-07): Documentation verifying asset ownership ([REDACTED] Account XXXXXX) has been provided.
 05/07/2018     1 A [Redacted] NJ Primary Purchase   C B C A C B C A Non QM Non QM No
203355925 [Redacted] [Redacted] 6330285 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] NC Primary Purchase   C B C B C B C A Non QM Non QM No
203355925 [Redacted] [Redacted] 6330560 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 7.23700% or Final Disclosure APR of 7.28100% is in excess of allowable threshold of APOR 4.41% + 2.5%, or 6.91000%.  Non-Compliant Rate Spread Home Loan. Disclosed APR 7.28100% and Calculated APR 7.23700% > 6.91000% Tolerance.  Used Index Value = 2.67000% for testing.  Loan is a compliant North Carolina Rate Spread Loan.  YSP exception cleared based on amount being based on principal loan amount.           2 B [Redacted] NC Primary Purchase   C B C B C B C A Non QM Non QM No
203355925 [Redacted] [Redacted] 6330562 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium. $14,400.00 Broker Compensation paid to Broker by Lender at closing.   Reviewer Comment (2018-05-09): Client has provided attestation that the YSP paid to the broker is compliant with the NC statute as it is paid based on the principal amount of the loan.
 05/09/2018     1 A [Redacted] NC Primary Purchase   C B C B C B C A Non QM Non QM No
203355925 [Redacted] [Redacted] 6345743 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing annual HOA verification for [REDACTED] property   Reviewer Comment (2018-05-09): Verification of the HOA fee for [REDACTED] has been provided.


Buyer Comment (2018-05-08): Listing for [REDACTED] from Trulia and Zillow show HOA dues $13/month
 05/09/2018     1 A [Redacted] NC Primary Purchase   C B C B C B C A Non QM Non QM No
203355925 [Redacted] [Redacted] 6346191 [Redacted] [Redacted] Credit Missing Document General Incomplete Document: 1003 Initial - Lender's is incomplete   Missing page 2 (of 5) of initial 1003.  Unable to determine if income calculated is significantly higher than income stated on the 1003 under Portfolio Select Business Bank Statement program.           2 B [Redacted] NC Primary Purchase   C B C B C B C A Non QM Non QM No
203355926 [Redacted] [Redacted] 6344254 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.72 is less than Guideline PITIA months reserves of 6.00. Reserves < 6 months minimum required. 31.22% DTI on this full documentation loan < 45% guideline max - 13.78% below program guideline maximum

731 credit score exceeds the program minimum score requirement of 700 by 31 points.

The borrower's housing payment is decreasing as a result of this transaction.		 Reviewer Comment (2018-05-06): Client has elected to waive program requirement for 6 months PITIA in reserve.  Compensating factors:  Credit Score; low DTI; decrease in housing payment.
     05/06/2018 2 B [Redacted] AZ Primary Purchase   C B C B A A C A Non QM Non QM No
203355926 [Redacted] [Redacted] 6347248 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] AZ Primary Purchase   C B C B A A C A Non QM Non QM No
203355929 [Redacted] [Redacted] 6369741 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203355929 [Redacted] [Redacted] 6369837 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Payment Shock exceeds credit guidelines.   786.97% > 350% 725 representative FICO score >  660 guideline minimum - 65 points above guideline minimum

Guideline variance approved by lender at time of origination.
No late pays reported

Borrower has employment stability for 10 years as the owner in the [Redacted] business

Residual required is $3000. Borrower exceeds minimum by $3,028.79		 Reviewer Comment (2018-05-18): Rec'd exception for payment shock exceeds maximum allowed by program.


Reviewer Comment (2018-05-09): Per 1003's and verification in file, borrower's previous housing payment consisted of a HELOC, taxes and insurance.  Property was not free & clear.


Buyer Comment (2018-05-09): Payment is not a factor when property is owned free and clear
     05/18/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203355929 [Redacted] [Redacted] 6388694 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $20,354.87 is less than Cash From Borrower $39,974.06. Discrepancy cause by inclusion of Business Assets by UW. 17.2 Assets Business Bank Statement
Funds from the Borrower’s business checking and/or savings accounts may not be used for down payment, closing costs or reserves.		   Reviewer Comment (2018-05-17): 50% of business funds allowed to be used per Platinum Matrix


Reviewer Comment (2018-05-09): Guideline makes no mention of partial usability of business funds and no personal assets verified for cash to close or reserves.


Buyer Comment (2018-05-09): Borrower given 50% credit funds
 05/17/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203355929 [Redacted] [Redacted] 6388832 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. ATR risk due to inclusion of business funds in assets by UW. 17.2 Assets
Funds from the Borrower’s business checking and/or savings accounts may not be used for down payment, closing costs or reserves.		   Reviewer Comment (2018-05-17): 50% of business funds allowed to be used per Platinum Matrix


Reviewer Comment (2018-05-11): Guideline 17.2 Assets Funds from the Borrower’s business checking and/or savings accounts may not be used for down payment, closing costs or reserves.


Reviewer Comment (2018-05-09): Guideline makes no mention of partial usability of business funds and no personal assets verified for cash to close or reserves.
 05/17/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203355929 [Redacted] [Redacted] 6394441 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $215.05   Reviewer Comment (2018-05-11): Received Attestation letter
 05/11/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203355929 [Redacted] [Redacted] 6394443 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $215.05 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-11): Received Attestation letter
 05/11/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203355931 [Redacted] [Redacted] 6373514 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing evidence of minimum 6 months rent loss insurance coverage on the subject property.   Reviewer Comment (2018-05-10): Per letter from insurer, loss of use coverage  implies rent loss coverage.


Buyer Comment (2018-05-10): Please see email uploaded from Insurance Company


Reviewer Comment (2018-05-09): Loss of use coverage refers to coverage for additional living expenses incurred while a property is damaged due to a covered loss and is uninhabitable.  This is not the same as rent loss insurance.  Exception remains.


Buyer Comment (2018-05-08): Note: Information uploaded shows Loss of Use
 05/10/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Home Improvement   C A C A A A C A N/A N/A No
203355931 [Redacted] [Redacted] 6376676 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Home Improvement   C A C A A A C A N/A N/A No
203355932 [Redacted] [Redacted] 6373789 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203355932 [Redacted] [Redacted] 6383570 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Rider - ARM not provided   Missing Page 1 of ARM Rider. Pages 2 and 3 provided in file.   Reviewer Comment (2018-05-09): The missing page 1 of the ARM Rider has been provided.
 05/09/2018     1 A [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203355932 [Redacted] [Redacted] 6383840 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 41.51663% exceeds Guideline housing ratio of 40.00000%. 41.51663% housing ratio Borrower has employment stability for 7 years in the [Redacted] business.

Borrower has 3.52 months reserves, which is greater than the 3 months required by the guidelines.

Borrower on this  full documentation loan has a disposable income of $8,097.47, which exceeds the guideline requirement of $1,500.		 Reviewer Comment (2018-05-09): Client has elected to waive the maximum housing ratio guideline of 40%.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:  Residual Income, reserves, low payment shock.
     05/09/2018 2 B [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203355933 [Redacted] [Redacted] 6364118 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] KY Primary Purchase   C A A A C A C A Non QM Non QM No
203355933 [Redacted] [Redacted] 6392962 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $118.75   Reviewer Comment (2018-05-09): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/09/2018     1 A [Redacted] KY Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203355933 [Redacted] [Redacted] 6392963 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $118.75 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-09): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/09/2018     1 A [Redacted] KY Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203355934 [Redacted] [Redacted] 6378208 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203355935 [Redacted] [Redacted] 6353664 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] TX Investment Refinance - Cash-out - Other   C A A A     C A     No
203355936 [Redacted] [Redacted] 6366900 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-06-01): Received CDA within tolerance
 06/01/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203355936 [Redacted] [Redacted] 6367369 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $39.99 exceeds tolerance of $39.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520) Borrower cure $0.99 paid at closing.       05/04/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203355936 [Redacted] [Redacted] 6379890 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 8.63 is less than Guideline PITIA months reserves of 12.00. First Time Homebuyer requirement 12 months reserves.  Borrower and CoBorrower last mortgage has seasoned 62 months 01/01/2013.
.		 Credit score, DTI, payment shock. Reviewer Comment (2018-05-09): Rec'd exception for reserve requirements not met.
     05/09/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203355936 [Redacted] [Redacted] 6382774 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $18,633.25 < $18,708.25           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6375492 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA dues.  Fee Amount of $95.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712) $95.00 HOA dues not disclosed on Loan Estimate dated 3/1/2018.  Fee normally disclosed in Section H was disclosed in Section B of Closing Disclosure.  Valid Change of Circumstance not in file.  Final Closing Disclosure does not disclose a Lender cure credit for $95.00 Zero Percent tolerance.   Reviewer Comment (2018-05-17): Rec’d LOE and corrected CD.  No tolerance violation.
   05/17/2018   2 B [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6375493 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 4, # of mos. field is blank.  $2,353.30 Property Taxes paid by Borrower at closing           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6375551 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for $95.00 Zero Percent tolerance.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6401690 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD disclosed $16,483.50 misc. fee, $80.00 Natural Hazard, $375.00 misc. fee, $225.00 HOA fee, $245.00 HOA fee and $150.00 Termite fee paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6402025 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Earliest disclosure dated [Redacted] application date plus 3)   Reviewer Comment (2018-05-11): The initial LE dated xx/xx/xxxx and proof of delivery have been provided.
 05/11/2018     1 A [Redacted] CA Primary Purchase Good faith redisclosure C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6402026 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/03/01/2018) Earliest Loan Estimate dated [Redacted]application date plus 3).  Missing Loan Estimate dated 2/27/2018 per Lender's Disclosure Tracking Summary.   Reviewer Comment (2018-05-11): The initial LE dated xx/xx/xxxx and proof of delivery have been provided.
 05/11/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B C B A A Non QM Non QM No
203355937 [Redacted] [Redacted] 6402528 [Redacted] [Redacted] Credit Missing Document General Incomplete Document: 1003 Initial - Lender's is incomplete   Missing complete 2 year employment history for Borrower           2 B [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203355937 [Redacted] [Redacted] 6403067 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/422576) $392.22 monthly property tax escrow based on current tax toll vs. est. $515.63 based on 1.25% of CA sales price,   Reviewer Comment (2018-05-11): UPdated taxes, per cert in file as this is not new construction
 05/11/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6403068 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/422577) $392.22 monthly property tax escrow based on current tax toll vs. est. $515.63 based on 1.25% of CA sales price,   Reviewer Comment (2018-05-11): UPdated taxes, per cert in file as this is not new construction
 05/11/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6403069 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/422578) $392.22 monthly property tax escrow based on current tax toll vs. est. $515.63 based on 1.25% of CA sales price,   Reviewer Comment (2018-05-11): UPdated taxes, per cert in file as this is not new construction
 05/11/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6403070 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Escrow Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/422579) $392.22 monthly property tax escrow based on current tax toll vs. est. $515.63 based on 1.25% of CA sales price,   Reviewer Comment (2018-05-11): UPdated taxes, per cert in file as this is not new construction
 05/11/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6403071 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/422576) $392.22 monthly property tax escrow based on current tax toll vs. est. $515.63 based on 1.25% of CA sales price,   Reviewer Comment (2018-05-11): UPdated taxes, per cert in file as this is not new construction
 05/11/2018     1 A [Redacted] CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B A A Non QM Non QM Yes
203355937 [Redacted] [Redacted] 6403111 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 669 is less than Guideline representative FICO score of 700. 669 (lower of Borrowers scores per Lender's credit report) < 700 Portfolio Select Bank Statement program.  1008 Transmittal states Broker's score used.   Copy of Broker's credit report not in file. Reserves, residual income, housing payment decreasing. Reviewer Comment (2018-05-17): Rec'd exception for credit score < program requirements.
     05/17/2018 2 B [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203355937 [Redacted] [Redacted] 6403219 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.08426% exceeds Guideline total debt ratio of 45.00000%. 47.08% > 45% Portfolio Select Bank Statement program.  Lender's 45.79% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Housing Payment Decreasing and $5.133.38 Residual Income.  Lender's 45.79% DTI includes $392.22 monthly property tax escrow based on current tax toll vs. est. $515.63 based on 1.25% of CA sales price used in 47.08% review DTI Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx Reviewer Comment (2018-05-08): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Housing Payment Decreasing and $5.133.38 Residual Income.  Lender's 45.79% DTI includes $392.22 monthly property tax escrow based on current tax toll vs. est. $515.63 based on 1.25% of CA sales price used in 47.08% review DTI
     05/08/2018 2 B [Redacted] CA Primary Purchase   C B C B C B A A Non QM Non QM No
203355938 [Redacted] [Redacted] 6372252 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 70.00000%. Max LTV is 70% with cash out > $100,000.00 per foreign nation guideline. Original approval used $185,000.00 so the LTV is 75%. However, the appraisal valued is $175,000.00 resulting in an LTV over 79%. Credit Risk Summary and Exception Approval indicates ther is a UW exception, however the exception is not reflected on the disclosure. Residual income, payment shock, stable employment history. Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18


Reviewer Comment (2018-05-18): The exception form provides a DTI exception with LTV verbiage.  Please correct.
     05/20/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203355938 [Redacted] [Redacted] 6372638 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation product at time of securitization.   Reviewer Comment (2018-05-30): Received CDA within 10% tolerance
 05/30/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203355938 [Redacted] [Redacted] 6402770 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Missing Document: Alternative credit requirements are not satisfied.   Missing 3 months to complete 24 month requirement for alternative credit on foreign national loans.  Guidelines require 3 tradelines with each reflecting a minimum of 24 month history.  File has a letter from a consumer agency and a VOM for property located at [REDACTED] which reflect over 24 months, however the VOM for borrower's primary residence reflects 21 months.  From 7/12/2016 to 4/2018. Residual income, payment shock, stable employment history. Reviewer Comment (2018-05-18): Rec'd exception for:  Documentation missing - missing 3 months bank statements to complete 24 month requirement.  DTI > maximum allowed.
     05/18/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203355938 [Redacted] [Redacted] 6406551 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing verification if the currency used for borrower's primary address P&I and the revolving credit payment were in US or Canadian currency.  Reviewer used .772425 currency conversion per tables in the file for calculations.  DTI would be over 50% if payments are in US currency.   Reviewer Comment (2018-05-18): Rec'd currency converter from Canadian to US dollars.


Buyer Comment (2018-05-16): The only debt that could be in Canadian currency is the primary residence, (although it has $ sign) and when I just did the currency converter, US dollars is actually less, not more, so the dti would be lower. See attached. Hopefully this will clear it. Let me know if there is anything else.
 05/18/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203356010 [Redacted] [Redacted] 6325317 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203356010 [Redacted] [Redacted] 6329183 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Missing Esign Consent Agreement           2 B [Redacted] FL Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203356010 [Redacted] [Redacted] 6329184 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Estoppel Fee $250.00 disclosed on Seller CD was not disclosed on Borrower CD.   Reviewer Comment (2018-05-21): Rec’d LOE, corrected CD and evidence of emailing.
   05/21/2018   2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203356010 [Redacted] [Redacted] 6329530 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.46 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval in file, page 216. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. 41.77% < 45% maximum DTI

Borrower on this Bank Statement documentation loan has a disposable income of $7,261.79		 Reviewer Comment (2018-05-01): Compensating Factors: 1) DTI. 2) Residual Income.
     05/01/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203416050 [Redacted] [Redacted] 6379988 [Redacted] [Redacted] Compliance Compliance State Compliance Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. Certificate of Compliance or Exemption is not attached the the mortgage for recording nor is it evident in the file.   Reviewer Comment (2018-05-16): Rec'd Certificate.
 05/16/2018     1 A [Redacted] IL Primary Purchase   C B C B C A C A Non QM Non QM No
203416050 [Redacted] [Redacted] 6380032 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] IL Primary Purchase   C B C B C A C A Non QM Non QM No
203416050 [Redacted] [Redacted] 6432842 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Telephone Listing / Internet Search / Directory Assistance Google search and or third party verification of business 10 days prior to Note is not evident for [REDACTED] and [REDACTED]. Credit score, residual income. Reviewer Comment (2018-05-16): Rec'd third party verification for both businesses dated 5/11/18 and exception for missing verification within 10 days of the note.
     05/16/2018 2 B [Redacted] IL Primary Purchase   C B C B C A C A Non QM Non QM No
203416051 [Redacted] [Redacted] 6387764 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Investment Purchase   C B A A     C B     No
203416051 [Redacted] [Redacted] 6388190 [Redacted] [Redacted] Property Valuation General The appraisal revealed property damage. Valuation Type: Appraisal / Valuation Report Date: [Redacted] Appraiser comment: At the time of inspection the subject property had deferred maintenance/needed repairs to included: ceiling damage, exterior wood damage (wood rot), flooring damage, plaster damage, etc. (also, see damage in property photos)           2 B [Redacted] FL Investment Purchase   C B A A     C B     No
203416051 [Redacted] [Redacted] 6448815 [Redacted] [Redacted] Property Collateral General Subject is not in average or better condition. Valuation Type: Appraisal / Valuation Report Date: [Redacted] Property Condition:
Fair		 Appraiser comment: At the time of inspection the subject property had deferred maintenance/needed repairs to included: ceiling damage, exterior wood damage (wood rot), flooring damage, plaster damage, etc. Guideline variance approved by lender at time of origination. No credit lates since 2003

Guideline variance approved by lender at time of origination - Stable employment history.  Borrower has 13 years and co-borrower 10 years		 Reviewer Comment (2018-05-30): Exception approval for the property having deferred maintenance and in Fair Condition
     05/30/2018 2 B [Redacted] FL Investment Purchase   C B A A     C B     No
203416053 [Redacted] [Redacted] 6408765 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
203416053 [Redacted] [Redacted] 6461055 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer CD discloses $250.00 Title - Survey and $13,960.80 RE Commission fee paid by Seller at closing not disclosed on Seller's CD.  Seller's CD does not disclose any fees paid by Seller at closing.           2 B [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203416053 [Redacted] [Redacted] 6461070 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML Provision) North Carolina Rate Spread Home Loan (Charged Impermissible YSP) North Carolina Rate Spread Home Loan: Mortgage loan contains a yield spread premium. Final Closing Disclosure, Section A discloses a $10,436.40 Broker Compensation fee paid to Broker by Lender at closing   Reviewer Comment (2018-05-17): Rec'd attestation letter that YSP was based on principal balance and is in compliance with state statutes.
 05/17/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
203416053 [Redacted] [Redacted] 6461108 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Non-Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.34790% or Final Disclosure APR of 8.36100% is in excess of allowable threshold of APOR 4.44% + 1.5%, or 5.94000%.  Non-Compliant Rate Spread Home Loan. Disclosed APR 8.36100% and Calculated APR 8.34790% > 5.94000% Tolerance.  Used Index Value = 2.77188% for testing.   Reviewer Comment (2018-05-17): Rec'd attestation letter that YSP was based on principal balance and is in compliance with state statutes.


Buyer Comment (2018-05-15): Uploaded Attestation letter for NC YSP.  This should also address the NC APR condition.
 05/17/2018     1 A [Redacted] NC Primary Purchase   C B A A C B C A Non QM Non QM No
203416053 [Redacted] [Redacted] 6467680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): rec'd e-consent
 05/17/2018     1 A [Redacted] NC Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203416054 [Redacted] [Redacted] 6406069 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203416054 [Redacted] [Redacted] 6453380 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203416055 [Redacted] [Redacted] 6480542 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   CPA Letter or P&L statement not provided with expense factor for business bank statement calculation.   Reviewer Comment (2018-05-18): CPA letter attesting to borrower's expense level has been provided.
 05/18/2018     1 A [Redacted] FL Primary Purchase   C B C A B B A A Non QM Non QM No
203416055 [Redacted] [Redacted] 6513259 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. document not found in file   Reviewer Comment (2018-05-18): Evidence of borrower's consent has been provided (e-Disclosure Agreement) has been provided.
 05/18/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C A B B A A Non QM Non QM No
203416055 [Redacted] [Redacted] 6513260 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $26,590.02 > $26,571.52           2 B [Redacted] FL Primary Purchase   C B C A B B A A Non QM Non QM Yes
203416060 [Redacted] [Redacted] 6381653 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] TX Investment Purchase   D A D A     C A     No
203416060 [Redacted] [Redacted] 6431044 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided   Missing Deed Transferring property from current owner to Borrower   Reviewer Comment (2018-05-16): Rec'd copy of warranty deed.
 05/16/2018     1 A [Redacted] TX Investment Purchase   D A D A     C A     No
203416060 [Redacted] [Redacted] 6431147 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note Addendum - Prepayment not provided   Note Addendum missing.   Reviewer Comment (2018-05-18): Rec'd prepayment addendum.
 05/18/2018     1 A [Redacted] TX Investment Purchase   D A D A     C A     No
203416062 [Redacted] [Redacted] 6412903 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.08653% exceeds Guideline total debt ratio of 45.00000%. Lender exception granted. Compensating factors: good reserves and residual income. 19.59 months reserves > 6 months guideline minimum

Borrower on this Full documentation loan has a disposable income of $10,944.54		 Reviewer Comment (2018-05-14): Lender exception approval provided pg. 303.
     05/14/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203416062 [Redacted] [Redacted] 6412905 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203416062 [Redacted] [Redacted] 6482362 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-14): Appraisal effective date 3/21/18
     05/14/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B A A C A Non QM Non QM No
203416063 [Redacted] [Redacted] 6440338 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM No
203416063 [Redacted] [Redacted] 6440758 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Initial Closing Disclosure issued on 4/13/2018 and loan closed on xx/xx/xxxx.   Reviewer Comment (2018-05-17): Received evidence that borrower received disclosure within timing requirements.
 05/17/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203416063 [Redacted] [Redacted] 6440759 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Final Closing Disclosure had additional Property Tax fee of $2,496.14.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203416063 [Redacted] [Redacted] 6542455 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Revised Loan Estimate Received Date >  Closing Disclosure Received Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate 04/10/2018 received on or after the date the Closing Disclosure [Redacted] was received. (Interim/04/10/2018) Missing evidence of when final LE was received.           2 B [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM No
203416064 [Redacted] [Redacted] 6386199 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] GA Primary Purchase   C B A A B B C A Non QM Non QM No
203416064 [Redacted] [Redacted] 6431820 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $31,104.00 > $24,564.14           2 B [Redacted] GA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203416065 [Redacted] [Redacted] 6381159 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.60561% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 243. DTI > maximum allowed. Compensating Factors: 1) LTV. 2) Stable Employment History. Borrower has job stability for 8 years as a [Redacted] Reviewer Comment (2018-05-10): Compensating Factors: 1) LTV. 2) Stable Employment History.
     05/10/2018 2 B [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203416065 [Redacted] [Redacted] 6381160 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B C B A A C A Non QM Non QM No
203416067 [Redacted] [Redacted] 6430221 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure AIR Table Minimum Interest Rate TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (Final/xx/xx/xxxx) Final Closing Disclosure minimum interest rate 4%. Minimum Interest Rate not disclosed on Note. Margin of 5.000% used for audit purposes   Reviewer Comment (2018-05-18): A post close CD correcting the minimum interest rate, letter of explanation and evidence of delivery have been provided.
   05/18/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203416067 [Redacted] [Redacted] 6430222 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/427521) Final Closing Disclosure minimum interest rate 4%. Minimum Interest Rate not disclosed on Note. Margin of 5.000% used for audit purposes   Reviewer Comment (2018-05-18): A post close CD, correcting the minimum payments, letter of explanation and evidence of delivery have been provided.
   05/18/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203416067 [Redacted] [Redacted] 6430223 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/427522) Final Closing Disclosure minimum interest rate 4%. Minimum Interest Rate not disclosed on Note. Margin of 5.000% used for audit purposes   Reviewer Comment (2018-05-18): A post close CD, correcting the minimum payments, letter of explanation and evidence of delivery have been provided.
   05/18/2018   2 B [Redacted] TX Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C B C B C A Non QM Non QM Yes
203416067 [Redacted] [Redacted] 6430227 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance


Reviewer Comment (2018-05-18): Secondary valuation product not provided.  Waiver applies to requirement for second appraisal due to loan size.
 05/29/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203416067 [Redacted] [Redacted] 6494293 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing copy of partnership agreement  that will support Borrower became partner in 2016 (thus no W-2's issued post 2015), guaranteed payment received in 2016 but not 2017. Borrower is a 7 year attorney/employee of [REDACTED]. Lender's $16,169.00 monthly income used to qualify based on an average of 2015 W-2 income 2016 K-1 )$15K ordinary income + $210K guaranteed payment to partner.  2017 K-1 documents $252K ordinary income.   Reviewer Comment (2018-05-23): Tax returns, W2s, K1s all support partnership in 2016
 05/23/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203416067 [Redacted] [Redacted] 6494317 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-18): Borrowers' E-Disclosure Agreement has been provided.
 05/18/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B C B C B C A Non QM Non QM No
203416067 [Redacted] [Redacted] 6494714 [Redacted] [Redacted] Credit Missing Document General Missing Document: Desk Review not provided   Missing secondary appraisal product to support value for Loan amounts ˃ $500,000.00 40.27% DTI on this full documentation loan < 45% guideline max - 4.73% below program guideline maximum

Borrower on this full documentation loan has a disposable income of $14,137.31.		 Reviewer Comment (2018-05-18): Client has elected to waive requirement for second appraisal due to loan size.  Credit Risk Summary & Exception Approval has been provided.  Compensating factors:  Residual income; low DTI.
     05/18/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B C B C A Non QM Non QM No
203416069 [Redacted] [Redacted] 6427310 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM No
203416069 [Redacted] [Redacted] 6427941 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). [Redacted] The Final CD is missing the NMLS ID for the Mortgage Broker.   Reviewer Comment (2018-05-17): Data correct on subsequent CDs (SFIG).
   05/17/2018   2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203416069 [Redacted] [Redacted] 6427945 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $565.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) The final CD reflected an $85.00 lender credit for increase in closing costs above the legal limit for the Appraisal Fee increase.       05/09/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C B A A C B C A Non QM Non QM Yes
203416069 [Redacted] [Redacted] 6477351 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) The borrower's final CD reflected seller paid fees (J) of $16,056.77 and the seller's CD reflectes seller paid fees (J) of $38,331.77.           2 B [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM Yes
203416070 [Redacted] [Redacted] 6434107 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM No
203416070 [Redacted] [Redacted] 6434319 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer's CD discloses a higher $175.00 Title  - Document Fee amount paid by Seller at closing vs. $75.00 disclosed on Seller's CD. Seller's CD discloses a $500.00 Title - Escrow fee and $9,690.00 RE Seller Commission fee paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM Yes
203416072 [Redacted] [Redacted] 6430470 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit.  Final Closing Disclosure does not reflect a Lender credit for $50.00 tolerance.   Reviewer Comment (2018-05-17): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/17/2018     1 A [Redacted] GA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203416072 [Redacted] [Redacted] 6430473 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for ICL FEE.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219) $50.00 Title - ICL Fee not disclosed on Loan Estimate dated 4/2/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $50.00 tolerance.   Reviewer Comment (2018-05-17): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/17/2018     1 A [Redacted] GA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203416072 [Redacted] [Redacted] 6430477 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD disclosed a higher $16.00 Recording fee amount paid by Seller at closing vs. $14.00 amount disclosed on Consumer's CD           2 B [Redacted] GA Second Home Purchase   C B A A C B C A Non QM Non QM Yes
203416072 [Redacted] [Redacted] 6430479 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] GA Second Home Purchase   C B A A C B C A Non QM Non QM No
203416072 [Redacted] [Redacted] 6476727 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): Rec'd e-consent
 05/17/2018     1 A [Redacted] GA Second Home Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203416072 [Redacted] [Redacted] 6476730 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/xx/xx/xxxx)             2 B [Redacted] GA Second Home Purchase   C B A A C B C A Non QM Non QM No
203416073 [Redacted] [Redacted] 6400003 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.16414% exceeds Guideline total debt ratio of 45.00000%. No exception provided in file. Exceptions are granted up to 50% DTI on a case by case basis. Borrower has employment stability for 39 years in the [Redacted].

67.04% LTV < 80 guideline max -  $174,960 more equity than required by program guidelines		 Reviewer Comment (2018-05-18): Received Credit Risk Summary & Exception Approval. DTI > maximum allowed. Compensating Factors: 1) LTV. 2) Stable Employment History.


Reviewer Comment (2018-05-16): Rec'd Credit Risk Summary & Exception Approval form.  No DTI exception noted.
     05/18/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C A A A Non QM Non QM No
203416073 [Redacted] [Redacted] 6400209 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI exceeds 45%, but less than 50%. No exception in file.   Reviewer Comment (2018-05-18): Received Exception approval for DTI.


Reviewer Comment (2018-05-18): x


Reviewer Comment (2018-05-18): Client has elected to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Low LTV; stable employment history.


Reviewer Comment (2018-05-16): Rec'd Credit Risk Summary & Exception Approval form.  No DTI exception noted.
 05/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C A A A Non QM Non QM Yes
203416073 [Redacted] [Redacted] 6400211 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI exceeds 45%, but less than 50%. No exception in file.   Reviewer Comment (2018-05-18): Received Exception approval for DTI.


Reviewer Comment (2018-05-18): x


Reviewer Comment (2018-05-18): Client has elected to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Low LTV; stable employment history.


Reviewer Comment (2018-05-16): Rec'd Credit Risk Summary & Exception Approval form.  No DTI exception noted.
 05/18/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C A A A Non QM Non QM No
203416075 [Redacted] [Redacted] 6438328 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 140.57100% > Calculated TIP 138.32800%.  Used Index Value = 2.67138% for testing.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
203416075 [Redacted] [Redacted] 6438331 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses a $800.00 Doc Prep fee paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] FL Primary Purchase   C B A A C B A A Non QM Non QM Yes
203416075 [Redacted] [Redacted] 6482032 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Flood Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Flood Insurance Premium under Prepaids. (Final/xx/xx/xxxx) Section F, line 05, # of mos. field is blank.  $882.00 Flood Insurance paid by Borrower at closing disclosed.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
203416075 [Redacted] [Redacted] 6499308 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) $250.00 Title - Title Search Fee not disclosed on Loan Estimate dated 3/29/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $250.00 Zero Percent  tolerance.   Reviewer Comment (2018-05-17): Received attestation from lender that vendor used for Search was outsourced by title company that borrower shopped for.
 05/17/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Non QM Non QM Yes
203416075 [Redacted] [Redacted] 6499310 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $250.00 Zero Percent  tolerance.   Reviewer Comment (2018-05-17): Received attestation from lender that vendor used for Search was outsourced by title company that borrower shopped for.
 05/17/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Non QM Non QM Yes
203416075 [Redacted] [Redacted] 6499901 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): Received required Econsent.
 05/17/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A C B A A Non QM Non QM No
203416076 [Redacted] [Redacted] 6435531 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $11,362 > $10,037           2 B [Redacted] NJ Primary Purchase   C B C A B B C A Non QM Non QM Yes
203416076 [Redacted] [Redacted] 6435544 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] NJ Primary Purchase   C B C A B B C A Non QM Non QM No
203416076 [Redacted] [Redacted] 6514355 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] W-2 (2017) Missing 2017 W2 from current employer ([REDACTED])   Reviewer Comment (2018-05-18): Rec'd 2017 W2
 05/18/2018     1 A [Redacted] NJ Primary Purchase   C B C A B B C A Non QM Non QM No
203416076 [Redacted] [Redacted] 6514446 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. document not found in file           2 B [Redacted] NJ Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203416077 [Redacted] [Redacted] 6408104 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Investment Purchase   C A C A A A C A N/A N/A No
203416077 [Redacted] [Redacted] 6461457 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing [REDACTED] Mortgage #xxxxxxxxx) mortgage statement for 1st mortgage secured by [REDACTED] (primary) verifying $1,528.00 reported payment includes escrows for property taxes and hazard insurance.  Loan file contains only mortgage statement(s) for [REDACTED] HELOC 2nd secured by property   Reviewer Comment (2018-05-18): [REDACTED] mortgage statement verifying payment includes escrows has been provided.
 05/18/2018     1 A [Redacted] CA Investment Purchase   C A C A A A C A N/A N/A No
203416079 [Redacted] [Redacted] 6375270 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.93 is less than Guideline PITIA months reserves of 6.00. 3.93 months ($7,662.81) < 6 months ($11,699.88) Portfolio Select program.  Per final 1003, Lender's 9 month calculation includes $13,404.85 in assets on deposit with [REDACTED] (#xxxx).  Ending balance $13,404.85 per statement dated 9/30/2017 excluded from closing and reserves.  Statement is 205 days old on on xx/xx/xxxx Note date.  A recent statemented dated within 90 days of xx/xx/xxxx was not in file. Payment shock, residual income Reviewer Comment (2018-05-16): Rec'd exception for reserve requirements not met.
     05/16/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203416079 [Redacted] [Redacted] 6375333 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203416079 [Redacted] [Redacted] 6375368 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses a $30.00 Doc Prep/Post Closing Fee and $250.00 HOA Estoppel Fee paid by Seller at closing not disclosed on Consumer CD           2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM Yes
203416079 [Redacted] [Redacted] 6401274 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for $9.00 tolerance.   Reviewer Comment (2018-05-16): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/16/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203416079 [Redacted] [Redacted] 6401275 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) $9.00 Title - Recording Fee not disclosed on Loan Estimate dated 3/22/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $9.00  tolerance.   Reviewer Comment (2018-05-16): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/16/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203416079 [Redacted] [Redacted] 6425058 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203416083 [Redacted] [Redacted] 6423529 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] GA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
203416083 [Redacted] [Redacted] 6424176 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit.   Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit.   Reviewer Comment (2018-05-17): Received attestation from lender that vendor used for Search was outsourced by title company that borrower shopped for.
 05/17/2018     1 A [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203416083 [Redacted] [Redacted] 6424177 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) The seller's CD reflects $41,513.04 whereas the borrower's CD reflects $41,781.99.           2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203416083 [Redacted] [Redacted] 6424181 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7727) While title fees on the LE were disclosed as shoppable, the new Title – Exam Fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-05-17): Received attestation from lender that vendor used for Search was outsourced by title company that borrower shopped for.
 05/17/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203416083 [Redacted] [Redacted] 6489782 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] VVOE - Employment Only Missing VVOE dated within 10 calendar days of closing.   Reviewer Comment (2018-05-17): Received required VOE.
 05/17/2018     1 A [Redacted] GA Primary Purchase   C B C A C B C A Safe Harbor QM Safe Harbor QM No
203416083 [Redacted] [Redacted] 6490851 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $8.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) While title fees on the LE were disclosed as shoppable, the new Title –Recording Service Fee in Section C of the CD is not paid to the same provider as the title fees disclosed in Section C of the LE, and therefore is considered not to have been shopped for, and subject to 0%.   Reviewer Comment (2018-05-17): Received attestation from lender that vendor used for Search was outsourced by title company that borrower shopped for.
 05/17/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM Safe Harbor QM Yes
203416084 [Redacted] [Redacted] 6432794 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C A B B C A Non QM Non QM No
203416084 [Redacted] [Redacted] 6513133 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): Received evidence of EConsent.
 05/17/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C A B B C A Non QM Non QM No
203416084 [Redacted] [Redacted] 6513422 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of  is less than Guideline PITIA months reserves of 3.00. Missing verification 3 months ($4,724.31) PITI reserves Non-Prime program.  Lender's 6 months calculation is not supported by verified assets.   Reviewer Comment (2018-05-17): Cash Out allowed for reserves.  Amount sufficient for guidelines.


Buyer Comment (2018-05-17): cash out can be used for reserves
 05/17/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C A B B C A Non QM Non QM No
203416084 [Redacted] [Redacted] 6542671 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 03/08/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/03/08/2018) EConsent was dated 4/11.  Earliest disclosure received was 3/8.  Please provide evidence of EConsent on or before 3/8.           2 B [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B C A B B C A Non QM Non QM No
203416085 [Redacted] [Redacted] 6395518 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B A A B B C A Non QM Non QM No
203416085 [Redacted] [Redacted] 6395628 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final CD  did not disclose number of months for Property Tax under Prepaids (Section F Line 4)           2 B [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203416086 [Redacted] [Redacted] 6388950 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C A A A B A C A Non QM Non QM No
203416086 [Redacted] [Redacted] 6441896 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-16): rec'd e-consent
 05/16/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203416087 [Redacted] [Redacted] 6392093 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   The client will order a secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Purchase   C A A A A A C A Non QM Non QM No
203416088 [Redacted] [Redacted] 6391708 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203416089 [Redacted] [Redacted] 6389070 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance coverage is short $80,400.00 and 100% replacement cost is not evident.   Reviewer Comment (2018-05-17): Received insurance companies replacement cost estimate.  Coverage is sufficient.
 05/17/2018     1 A [Redacted] CO Investment Purchase   C B C A B B C A N/A N/A No
203416089 [Redacted] [Redacted] 6389073 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CO Investment Purchase   C B C A B B C A N/A N/A No
203416089 [Redacted] [Redacted] 6390272 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.           2 B [Redacted] CO Investment Purchase   C B C A B B C A N/A N/A No
203416090 [Redacted] [Redacted] 6475034 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $550.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         05/14/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure A A A A A A A A Non QM Non QM Yes
203416091 [Redacted] [Redacted] 6428777 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): Received evidence of E-Consent.
 05/17/2018     1 A [Redacted] MI Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203416091 [Redacted] [Redacted] 6428787 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 4, # of mos. field is blank.  $1,936.48 Property Taxes paid by Borrower at closing           2 B [Redacted] MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203416091 [Redacted] [Redacted] 6428789 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses $1,106.50 in total closing costs paid by Seller at closing that are not disclosed on Consumer CD           2 B [Redacted] MI Primary Purchase   C B C B B B C A Non QM Non QM Yes
203416091 [Redacted] [Redacted] 6428830 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.60 is less than Guideline PITIA months reserves of 6.00. 0.6 months < 6 months PITI Non-Prime First Time Home Buyer program.  Lender's Credit Risk Summary & Exception Approval in file for no reserves.    Compensating  factors: 35.24% DTI < 45% and 6 years employment history 35.238% DTI on this (Documentation Type) documentation loan <40.00% guideline max - 4.765% below program guideline maximum

Borrower has employment stability for 6 years as a [REDACTED].		 Reviewer Comment (2018-05-15): Lender's Credit Risk Summary & Exception Approval in file for no reserves.    Compensating  factors: 35.24% DTI < 45% and 6 years employment history
     05/15/2018 2 B [Redacted] MI Primary Purchase   C B C B B B C A Non QM Non QM No
203416091 [Redacted] [Redacted] 6428871 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] MI Primary Purchase   C B C B B B C A Non QM Non QM No
203416091 [Redacted] [Redacted] 6496053 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $72.00 plus 10% or $79.20.  Sufficient or excess cure was provided to the borrower at Closing. (0) Final Closing Disclosure discloses a $15.80 Lender cure credit for $15.80 Ten Percent tolerance       05/15/2018   1 A [Redacted] MI Primary Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203416093 [Redacted] [Redacted] 6379651 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 41.67647% exceeds Guideline housing ratio of 40.00000%. Credit Risk Summary & Exception Approval in File, pg 215. DTI maximum allowed.
Compensating Factors: 1) LTV 2) Housing payment decreasing		 [Redacted] LTV < 80% guideline max -  $103,000 more equity than required by program guidelines

Guideline variance approved by lender at time of origination.
Total monthly payment decreased by $311.52. Increase in mortgage payment is less than the total payments of the monthly debt paid off.		 Reviewer Comment (2018-05-09): Credit Risk Summary & Exception approval p215
     05/09/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203416093 [Redacted] [Redacted] 6379658 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203416093 [Redacted] [Redacted] 6379747 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Total Closing costs exceed the legal limit by $60.00 to cover the increased cost of the Condo Questionnaire charge. Lender did credit the borrower $60.00   Reviewer Comment (2018-05-12): Updated input with receipt of attestation letter for fees borrower chosen provider
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203416093 [Redacted] [Redacted] 6379748 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $310.00 exceeds tolerance of $250.00.  Insufficient or no cure was provided to the borrower. (75215) Cure not provided.   Reviewer Comment (2018-05-12): Updated input with receipt of attestation letter for fees borrower chosen provider
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203416093 [Redacted] [Redacted] 6379749 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $80.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77179) Cure not provided.   Reviewer Comment (2018-05-12): Updated input with receipt of attestation letter for fees borrower chosen provider
 05/12/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203416093 [Redacted] [Redacted] 6462955 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $310.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing. (75215)         05/12/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Final CD evidences Cure C B C B C A C A Non QM Non QM Yes
203416094 [Redacted] [Redacted] 6402723 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203416094 [Redacted] [Redacted] 6403337 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer CD discloses a $850.00 Title - Document Preparation fee paid by Seller at closing not disclosed on Seller's CD           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203416094 [Redacted] [Redacted] 6454416 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.08 is less than Guideline PITIA months reserves of 3.00. 2.08 months < 3 months PITI reserves Non-Prime program.  Lender's 3 month calculation is not supported by asset verification in file.   Reviewer Comment (2018-05-16): Rec'd verification of sufficient reserves.
 05/16/2018     1 A [Redacted] FL Primary Purchase   C B C A B B C A Non QM Non QM No
203416095 [Redacted] [Redacted] 6372662 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Loan Payoff Statement not provided   Mortgage Payoff Statement is not evident.   Reviewer Comment (2018-05-16): Rec'd payoff.
 05/16/2018     1 A [Redacted] FL Investment Refinance - Rate/Term   C B C B     C A     No
203416095 [Redacted] [Redacted] 6372915 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Investment Refinance - Rate/Term   C B C B     C A     No
203416095 [Redacted] [Redacted] 6373172 [Redacted] [Redacted] Credit Property - Appraisal General Appraisal Requirements Valuation Error: Valuation report date was not provided. Valuation Type: Appraisal / Valuation Report Date: <empty> Appraisal not signed or dated by the appraiser   Reviewer Comment (2018-05-16): Rec'd signed appraisal.
 05/16/2018     1 A [Redacted] FL Investment Refinance - Rate/Term   C B C B     C A     No
203416095 [Redacted] [Redacted] 6421817 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Per memo in file the Borrower currently owns 5 properties, but 1003 only listed 2.   Reviewer Comment (2018-05-16): Rec'd attachment to the appraisal reflecting all properties.
 05/16/2018     1 A [Redacted] FL Investment Refinance - Rate/Term   C B C B     C A     No
203416095 [Redacted] [Redacted] 6422151 [Redacted] [Redacted] Credit Property - Appraisal General Appraisal Requirements Valuation Error: Appraiser's name not provided.   Appraiser did not sign the appraisal provided in the loan file.   Reviewer Comment (2018-05-16): Rec'd signed appraisal.
 05/16/2018     1 A [Redacted] FL Investment Refinance - Rate/Term   C B C B     C A     No
203416095 [Redacted] [Redacted] 6422532 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Credit Risk Summary & Exception Approval in file, page 75. Credit Score does not meet program requirements. Compensating Factor: Reserves. 18.5 > 6 months minimum reserves Reviewer Comment (2018-05-09): Compensating Factor: Reserves.
     05/09/2018 2 B [Redacted] FL Investment Refinance - Rate/Term   C B C B     C A     No
203416097 [Redacted] [Redacted] 6425204 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-15): Appraisal dated 04/03/2018
     05/15/2018 2 B [Redacted] CA Primary Purchase   C B B B B B C A Non QM Non QM No
203416097 [Redacted] [Redacted] 6425215 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Purchase   C B B B B B C A Non QM Non QM No
203416097 [Redacted] [Redacted] 6425412 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $515.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Fee disclosed as ($465.00) on (LE dated 03/27/18), but disclosed as ($515.00) on Final Closing Disclosure.       05/09/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C B B B B B C A Non QM Non QM Yes
203416097 [Redacted] [Redacted] 6495079 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. disclosure not found in file   Reviewer Comment (2018-05-17): Received evidence of E-Consent.
 05/17/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B B B B B C A Non QM Non QM No
203416097 [Redacted] [Redacted] 6495083 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) $453,746.85 > $36,701.45           2 B [Redacted] CA Primary Purchase   C B B B B B C A Non QM Non QM Yes
203416099 [Redacted] [Redacted] 6435786 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] NJ Primary Purchase   C B C B B B C A Non QM Non QM No
203416099 [Redacted] [Redacted] 6480202 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 136.02900% > Calculated TIP 133.80200%.  Used Index Value = 2.61450% for testing.           2 B [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203416099 [Redacted] [Redacted] 6505332 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.69 is less than Guideline PITIA months reserves of 6.00. 4.69 months < 6 months Portfolio Select Bank Statement program.  Lender's 4 month calculation < 6 months.   Exception not acknowledged by Lender. DTI, residual income Reviewer Comment (2018-05-18): Rec'd exception:  Reserves - reserve requirements not met.
     05/18/2018 2 B [Redacted] NJ Primary Purchase   C B C B B B C A Non QM Non QM No
203416099 [Redacted] [Redacted] 6505333 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-18): rec'd e-consent
 05/18/2018     1 A [Redacted] NJ Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203416100 [Redacted] [Redacted] 6453339 [Redacted] [Redacted] Credit Credit Credit Documentation No evidence of fraud report in file Credit Report: Original // Borrower: [REDACTED] Missing Fraud Report for third Borrower, [REDACTED]   Reviewer Comment (2018-05-21): Received fraud report


Reviewer Comment (2018-05-20): Received FRAUD Report with [REDACTED], but Correction Need it for [REDACTED]
 05/21/2018     1 A [Redacted] OR Primary Purchase   D B D B B B A A Non QM Non QM No
203416100 [Redacted] [Redacted] 6453553 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.39318% exceeds Guideline total debt ratio of 45.00000%. 45.39% > 45% Non-Prime program.  Lender's 45.42% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: $6,386.90 Residual Income and Stable Employment History Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx Reviewer Comment (2018-05-16): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: $6,386.90 Residual Income and Stable Employment History
     05/16/2018 2 B [Redacted] OR Primary Purchase   D B D B B B A A Non QM Non QM No
203416100 [Redacted] [Redacted] 6453737 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) Validated the loan did close on xx/xx/xxxx and the closing date on the closing disclosure date was xx/xx/xxxx.           2 B [Redacted] OR Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D B B B A A Non QM Non QM Yes
203416100 [Redacted] [Redacted] 6453741 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $Seller CD discloses a -$124.00 Title - Owner's Insurance credit from FATCO to Seller at closing that is not disclosed on Consumer's CD           2 B [Redacted] OR Primary Purchase   D B D B B B A A Non QM Non QM Yes
203416100 [Redacted] [Redacted] 6492637 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided       Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] OR Primary Purchase   D B D B B B A A Non QM Non QM No
203416100 [Redacted] [Redacted] 6493532 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] OR Primary Purchase No Defined Cure D B D B B B A A Non QM Non QM No
203416100 [Redacted] [Redacted] 6494045 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Credit Report not provided   Missing Lender's origination credit report for third Borrower [REDACTED]   Reviewer Comment (2018-05-20): Received


Reviewer Comment (2018-05-20): Cannot waive an Origination Credit Report
 05/20/2018     1 A [Redacted] OR Primary Purchase   D B D B B B A A Non QM Non QM No
203416100 [Redacted] [Redacted] 6518049 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Other not provided   Missing Gap Credit Report Comparison for third Borrower, [REDACTED] Borrower on this Full  documentation loan has a disposable income of $6390 Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18 - For Gap report
     05/20/2018 2 B [Redacted] OR Primary Purchase   D B D B B B A A Non QM Non QM No
203416100 [Redacted] [Redacted] 6532316 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] VVOE - Employment Only Within 10 days of closing Borrower on this Full  documentation loan has a disposable income of $6390 Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18 for Internet search dated 5/18/18 > 10 days beyond Note date


Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18 - cannot waive required documentation
     05/20/2018 2 B [Redacted] OR Primary Purchase   D B D B B B A A Non QM Non QM No
203416102 [Redacted] [Redacted] 6396210 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.01939% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 317. DTI > maximum allowed. Compensating Factors: 1) Reserves. 2) Residual Income. Borrower on this Portfolio Select full documentation loan has a disposable income of $6,919.84 exceeding the $2, 000 minimum

30.15 months reserves > 6 months guideline minimum - borrowers have verified reserves of $139,482.32.		 Reviewer Comment (2018-05-11): Compensating Factors: 1) Reserves. 2) Residual Income.
     05/11/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416102 [Redacted] [Redacted] 6396243 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416102 [Redacted] [Redacted] 6396311 [Redacted] [Redacted] Credit Property - Appraisal Appraisal Adjustments Excessive site value noted on appraisal without appraiser comments to justify Valuation Type: Appraisal / Valuation Report Date: xx/xx/xxxx Appraiser did not address excessive site value   Reviewer Comment (2018-05-17): This was addressed by the appraisal just above the site value
 05/17/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416102 [Redacted] [Redacted] 6449697 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $9.00 + $400.50   Reviewer Comment (2018-05-17): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/17/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203416102 [Redacted] [Redacted] 6449698 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-17): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/17/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203416102 [Redacted] [Redacted] 6449712 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Third Party Verification for [REDACTED] 10 days prior to closing is not evident. Last Google Search in file is dated 4/2/18. Borrower on this Portfolio Select full documentation loan has a disposable income of $6,919.84 exceeding the $2, 000 minimum

30.15 months reserves > 6 months guideline minimum - borrowers have verified reserves of $139,482.32.		 Reviewer Comment (2018-05-18): Rec'd third party verification of [REDACTED] dated 5/18/18 and exception for missing documentation; verification not dated within 10 days prior to closing.


Reviewer Comment (2018-05-17): Rec'd verification for [REDACTED].  Missing verification for [REDACTED]
     05/18/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416102 [Redacted] [Redacted] 6459177 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $400.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-17): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/17/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203416103 [Redacted] [Redacted] 6431691 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-16): Borrower took out HELOC against primary residence, paperwork in file
 05/16/2018     1 A [Redacted] NC Investment Purchase   C B C B B B C A N/A N/A No
203416103 [Redacted] [Redacted] 6432419 [Redacted] [Redacted] Compliance Compliance Federal Compliance Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. Notice To Borrower In Special Flood Hazard Area is not signed by the Borrower.           2 B [Redacted] NC Investment Purchase   C B C B B B C A N/A N/A No
203416103 [Redacted] [Redacted] 6499337 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Occupancy discrepancy. Property occupancy of Investment does not match Guideline property occupancy of . Credit Risk Summary & Exception Approval in file, page 283. Investment property - occupancy exception. Compensating Factors: 1) Credit History. 2) Reserves. // Unable to waive until assets fully verified. Guideline variance approved by lender at time of origination Reviewer Comment (2018-05-16): Borrowers purchasing Investment property not allowed on program.
     05/16/2018 2 B [Redacted] NC Investment Purchase   C B C B B B C A N/A N/A No
203416103 [Redacted] [Redacted] 6501329 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Source of large deposit ($131,000) not provided, unable to determine if Borrowers own funds, gift funds or loan to Borrower.   Reviewer Comment (2018-05-16): Borrowers took out HELOC against primary, payment already included in ratio
 05/16/2018     1 A [Redacted] NC Investment Purchase   C B C B B B C A N/A N/A No
203416103 [Redacted] [Redacted] 6501330 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $82,050.02 is less than Cash From Borrower $168,917.85. Source of large deposit ($131,000) not provided, unable to determine if Borrowers own funds, gift funds or loan to Borrower.   Reviewer Comment (2018-05-16): Borrower took out HELOC against primary
 05/16/2018     1 A [Redacted] NC Investment Purchase   C B C B B B C A N/A N/A No
203416104 [Redacted] [Redacted] 6443850 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 136.82000% > Calculated TIP 134.59500%.  Used Index Value = 2.49794% for testing.           2 B [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203416104 [Redacted] [Redacted] 6443855 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) .           2 B [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203416104 [Redacted] [Redacted] 6443902 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] IL Primary Purchase   C B A A B B C A Non QM Non QM No
203416104 [Redacted] [Redacted] 6521443 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] IL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203416105 [Redacted] [Redacted] 6396764 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosed 12 month Homeowner’s Insurance Premium of $6,198.00 should be $7,366.92 @ $613.91 per month.           2 B [Redacted] TX Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203416105 [Redacted] [Redacted] 6396772 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C B A A B B C A Non QM Non QM No
203416105 [Redacted] [Redacted] 6465890 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): rec'd  e-consent
 05/17/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B A A B B C A Non QM Non QM No
203416106 [Redacted] [Redacted] 6449012 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B A A B B C A Non QM Non QM No
203416106 [Redacted] [Redacted] 6449017 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F, Line 4, # of mos. field is blank.  $2,264.06 Property Taxes paid by Borrower at closing           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203416106 [Redacted] [Redacted] 6493897 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 131.41200% > Calculated TIP 127.00700%.  Used Index Value = 2.49794% for testing.           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203416106 [Redacted] [Redacted] 6516653 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): Received evidence of E-Consent.
 05/17/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B A A B B C A Non QM Non QM No
203416107 [Redacted] [Redacted] 6370365 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Loan Payoff Statement not provided       Reviewer Comment (2018-05-16): Rec'd payoff statement.
 05/16/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203416107 [Redacted] [Redacted] 6370794 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203416107 [Redacted] [Redacted] 6421195 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing pages 24, 29, 39, 41-43 and 45-47 of the 47 pages Closing document that contains the Note, Mortgage, etc.   Reviewer Comment (2018-05-16): Additional pages (24,29) provided, remainder pages located in file.


Buyer Comment (2018-05-10): Please Note: Pages: 39,41-43 and 45-47 are in file; please re-look. Also other pages are uploaded.
 05/16/2018     1 A [Redacted] GA Investment Refinance - Rate/Term   C A C A     C A     No
203416108 [Redacted] [Redacted] 6382811 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003               2 B [Redacted] MD Primary Purchase   C B A A C B C A Non QM Non QM No
203416108 [Redacted] [Redacted] 6382812 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] MD Primary Purchase   C B A A C B C A Non QM Non QM No
203416108 [Redacted] [Redacted] 6382853 [Redacted] [Redacted] Compliance Compliance Federal Compliance ARM Disclosure Timing TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. Dated 03/06/2018.   Reviewer Comment (2018-05-17): Received evidence that borrower received disclosure within timing requirements.


Reviewer Comment (2018-05-16): Missing ARM disclosure dated within 3 days of the application date.  The ARM disclosure provided is not dated; using borrower's acknowledgment date of 3/6/18.
 05/17/2018     1 A [Redacted] MD Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203416108 [Redacted] [Redacted] 6437264 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $12,185.59 exceeds tolerance of $12,171.38.  Sufficient or excess cure was provided to the borrower at Closing. (8304) $14.21       05/10/2018   1 A [Redacted] MD Primary Purchase Final CD evidences Cure C B A A C B C A Non QM Non QM Yes
203416109 [Redacted] [Redacted] 6379869 [Redacted] [Redacted] Compliance Compliance Federal Compliance Notice of Special Flood Hazard Disclosure Not Provided Timely FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Disclosure provide date [Redacted] Note date less 10)           2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203416109 [Redacted] [Redacted] 6434322 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-16): rec'd e-consent
 05/16/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other No Defined Cure C B C B B B A A Non QM Non QM No
203416109 [Redacted] [Redacted] 6435835 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of $xxx,xxx.xx is greater than Guideline total cash-out of $500,000.00. $655,604.97 > $500,000.00 max under Portfolio Select Texas Cash-out Refinance 80% LTV program.  $650,000.00 private Note (non-lien per title commitment) held by family member paid off at closing. Pay off of non-lien is considered cash-out.  Exception not acknowledged by Lender. 10 years on job, residual income. Reviewer Comment (2018-05-16): Rec'd exception for $xxx,xxx.xx  cash out is greater than guideline total cash out of $500,000.
     05/16/2018 2 B [Redacted] TX Primary Refinance - Cash-out - Other   C B C B B B A A Non QM Non QM No
203416110 [Redacted] [Redacted] 6367408 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided   Fraud report is not evident.   Reviewer Comment (2018-05-11): A fraud report has been provided.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367409 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Flood certificate is not evident.   Reviewer Comment (2018-05-11): A flood cert has been provided.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367410 [Redacted] [Redacted] Credit Loan Package Documentation Loan File Missing Document: Hazard Insurance Policy not provided   Hazard Insurance Policy on investment property is not evident.   Reviewer Comment (2018-05-11): Hazard insurance dec page has been provided.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367597 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: OFAC not provided   Fraud Report evidencing OFAC or separate OFAC report is not evident.   Reviewer Comment (2018-05-11): The fraud report contains evidence of a clear OFAC search.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367713 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367716 [Redacted] [Redacted] Credit Missing Document Appraisal Documentation The appraisal is missing from file and required by guidelines.   Only stated value was provided and missing the appraisal report from origination.   Reviewer Comment (2018-05-11): A copy of the appraisal has been provided.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367723 [Redacted] [Redacted] Credit Fix and Flip General The appraisal is missing and is required by guidelines.   Appraisal report is not evident to determine if property was a flip transaction.   Reviewer Comment (2018-05-11): Appraisal has been provided and it verifies that the transaction was not a flip.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367731 [Redacted] [Redacted] 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 WINTER STORMS, FLOODING, AND MUDSLIDES
Disaster Declaration Date: [Redacted]
Disaster End Date:  [Redacted]		 Appraisal inspection is not evident and property is located in a FEMA Disaster area.   Reviewer Comment (2018-05-11): Appraisal has been provided and it was completed after the FEMA disaster and no damage is evident.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367866 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Articles of Organization/Formation not provided       Reviewer Comment (2018-05-11): Articles of Organization have been provided.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367869 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Certificate of Good Standing not provided       Reviewer Comment (2018-05-11): Certificate of Good Standing has been provided.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367870 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Operating Agreement not provided       Reviewer Comment (2018-05-11): Operating Agreement has been provided.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6367873 [Redacted] [Redacted] Credit Hazard Insurance Document Error Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.       Reviewer Comment (2018-05-11): Dec page provided and it reflects mortgagee as Lender, its successors and Assigns.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6372410 [Redacted] [Redacted] Credit Credit Credit Documentation Missing Document: Credit Report not provided   There is no evidence that credit report was pulled on the borrower.   Reviewer Comment (2018-05-11): A credit report for the borrower has been provided.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6374155 [Redacted] [Redacted] Credit Credit Credit Documentation No evidence of fraud report in file Credit Report: Original // Borrower: [REDACTED], Credit Report: Original // Borrower: [REDACTED] There is no evidence of the fraud report for either the borrower or LLC.   Reviewer Comment (2018-05-11): A fraud report has been provided.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6374185 [Redacted] [Redacted] Credit Credit Credit Documentation OFAC was not checked and required per guidelines. Credit Report: Original // Borrower: [REDACTED] There is no evidence that OFAC was checked.   Reviewer Comment (2018-05-11): Fraud report has been provided which reflects OFAC checked and clear.
 05/11/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6454381 [Redacted] [Redacted] Credit Credit Miscellaneous Miscellaneous Credit (Non-Material):   Loan application indicates no liens on investment properties held by [REDACTED], but the credit report shows numerous open mortgage and HELOC debts.           2 B [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6454388 [Redacted] [Redacted] Credit Credit Miscellaneous Miscellaneous Credit (Non-Material):   Application indicates borrower rents his primary residence and no VOR has been provided.           2 B [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416110 [Redacted] [Redacted] 6454493 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard insurance dec page provided indicates coverage in the amount of $97,000, which is insufficient by $22,992.80.   Reviewer Comment (2018-05-18): Rec'd replacement cost estimator, coverage is sufficient.
 05/18/2018     1 A [Redacted] OH Investment Refinance - Cash-out - Other   D B D B     C A     No
203416112 [Redacted] [Redacted] 6410968 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] WA Investment Purchase   C A A A     C A     No
203416113 [Redacted] [Redacted] 6416171 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203416113 [Redacted] [Redacted] 6463164 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller's CD discloses  Notary $30.00 Notary and $15.00 Document Compliance fees paid by Seller at closing not disclosed on Consumer's CD. Consumer's CD discloses $215.00 Seller's FEE and $5,979.00 Property Taxes paid by Seller at closing not disclosed on Seller's CD.  CD only Seller Fee $215.00 and Property Tax $5,979.00.  Consumer CD discloses a higher $2,574.00 Title - Owner's Title Insurance fee amount paid by Seller at closing  vs. $1,456.00 amount disclosed on Seller's CD.           2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM Yes
203416113 [Redacted] [Redacted] 6463291 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 41.37370% exceeds Guideline housing ratio of 40.00000%. 41.37% > 40% Platinum program.  Lender's 41.29% > 40%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit History and $10,303.27 Residual Income. Guideline variance approved by lender at time of origination Reviewer Comment (2018-05-13): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors: Credit History and $10,303.27 Residual Income.
     05/13/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203416113 [Redacted] [Redacted] 6463332 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-14): Appraisal effective date [Redacted]
     05/14/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203416113 [Redacted] [Redacted] 6463343 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-14): Appraisal effective date 3/18/18
     05/14/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203416114 [Redacted] [Redacted] 6370396 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] NJ Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203416114 [Redacted] [Redacted] 6421869 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-11): Received disclosure
 05/11/2018     1 A [Redacted] NJ Primary Refinance - Cash-out - Other No Defined Cure C A C A B A C A Non QM Non QM No
203416114 [Redacted] [Redacted] 6423174 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.01 is less than Guideline PITIA months reserves of 6.00. 0.01 months ($28.34) < 6 months ($16,676.94) Platinum program.   Lender's 95 month calculation is not supported by asset verification in file.   Reviewer Comment (2018-05-11): Cash out can be used as reserves


Buyer Comment (2018-05-11): Cash out can be used as reserves cash out 200K
 05/11/2018     1 A [Redacted] NJ Primary Refinance - Cash-out - Other   C A C A B A C A Non QM Non QM No
203416116 [Redacted] [Redacted] 6386664 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 2.23 is less than Guideline PITIA months reserves of 3.00. Credit Risk Summary & Exception Approval in file, page 308. Reserves: Requirements not met. Compensating Factors: 1) LTV. 2) Payment Shock. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-05-10): Compensating Factors: 1) LTV. 2) Payment Shock.
     05/10/2018 2 B [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation   C B C B B B C A Non QM Non QM No
203416116 [Redacted] [Redacted] 6389380 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securtization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation   C B C B B B C A Non QM Non QM No
203416116 [Redacted] [Redacted] 6432689 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Initial CD received electronically 04/07/2018 per Tracking tool.           2 B [Redacted] GA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B B B C A Non QM Non QM No
203416117 [Redacted] [Redacted] 6416934 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] WA Investment Purchase   C B C B     C A     No
203416117 [Redacted] [Redacted] 6480877 [Redacted] [Redacted] Credit Assets Asset Documentation Asset documentation is missing from the file and required per guidelines.   Missing letter from joint account holders for checking account ending in xxxx, verifying that the Borrower has 100% access to all funds for Closing. LTV, reserves Reviewer Comment (2018-05-18): Rec'd exception for missing supporting documentation.  Account is joint with others, no access letter.
     05/18/2018 2 B [Redacted] WA Investment Purchase   C B C B     C A     No
203416119 [Redacted] [Redacted] 6388570 [Redacted] [Redacted] Compliance Compliance State Compliance Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower.             2 B [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203416119 [Redacted] [Redacted] 6388646 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203416119 [Redacted] [Redacted] 6427978 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-16): rec'd e-consent
 05/16/2018     1 A [Redacted] MI Primary Refinance - Cash-out - Other No Defined Cure C B C B B B C A Non QM Non QM No
203416119 [Redacted] [Redacted] 6428256 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 717 is less than Guideline representative FICO score of 720. 717 (per Lender's credit report) < 720  Platinum 80% Cash-Out refinance program.  Approved LTV [Redacted]  717 score supports max 75% LTV.  Exception not acknowledged by Lender. DTI, Payment Shock, Residual Income. Reviewer Comment (2018-05-16): Rec'd signed exception for LTV.  Excess LTV for cash out with score of 717 min required 720.
     05/16/2018 2 B [Redacted] MI Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203416120 [Redacted] [Redacted] 6441077 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] AZ Primary Purchase   C B C B C A C A Non QM Non QM No
203416120 [Redacted] [Redacted] 6532324 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.58145% exceeds Guideline total debt ratio of 45.00000%. DTI over 45% Borrower is experiencing relatively low payment shock as a result of this transaction.

Borrower has a strong credit history with a 683 FICO and no late payments.		 Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Strong credit history and low payment shock.
     05/18/2018 2 B [Redacted] AZ Primary Purchase   C B C B C A C A Non QM Non QM No
203416120 [Redacted] [Redacted] 6532358 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI over 45%   Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Strong credit history and low payment shock.
 05/18/2018     1 A [Redacted] AZ Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203416120 [Redacted] [Redacted] 6532359 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI over 45%   Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Strong credit history and low payment shock.
 05/18/2018     1 A [Redacted] AZ Primary Purchase   C B C B C A C A Non QM Non QM No
203416122 [Redacted] [Redacted] 6412951 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Security Instrument not provided       Reviewer Comment (2018-05-17): Received.


Reviewer Comment (2018-05-17): Rec'd note, missing Security Instrument.
 05/17/2018     1 A [Redacted] CA Primary Purchase   D B D A B B C A Non QM Non QM No
203416122 [Redacted] [Redacted] 6412952 [Redacted] [Redacted] Credit Loan Package Documentation Closing / Title Missing Document: Rider - ARM not provided       Reviewer Comment (2018-05-17): Received.


Reviewer Comment (2018-05-17): Rec'd note, missing ARM Rider.
 05/17/2018     1 A [Redacted] CA Primary Purchase   D B D A B B C A Non QM Non QM No
203416122 [Redacted] [Redacted] 6412992 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Loan Type TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Loan Type that does not match the actual loan type for the loan. (Final/xx/xx/xxxx) Final Closing Disclosure reflects loan type as Other-Bank.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A B B C A Non QM Non QM Yes
203416122 [Redacted] [Redacted] 6412993 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Purchase   D B D A B B C A Non QM Non QM No
203416123 [Redacted] [Redacted] 6378177 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203416123 [Redacted] [Redacted] 6378441 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $14,097.88 while Borrower CD seller's fees total $13,722.88.           2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM Yes
203416123 [Redacted] [Redacted] 6436947 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.39 is less than Guideline PITIA months reserves of 6.00. Reserve requirement of 6 months not met; Lender exception approval (pg. 183) granted with comp factors: FICO, Credit history, and Residual income. 713 representative FICO score > 700 guideline minimum - 13 points above guideline minimum

Borrower on this 24 month business bank statement documentation loan has a disposable income of $7,028.74; $3000.00 guideline minimum

Consumer credit payment history is 0x30 since 04/2014.		 Reviewer Comment (2018-05-10): Lender exception approval provided.
     05/10/2018 2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203416125 [Redacted] [Redacted] 6432673 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] NM Primary Purchase   C B C A B B C A Non QM Non QM No
203416125 [Redacted] [Redacted] 6432969 [Redacted] [Redacted] Credit System General Closing Disclosure Subject Address does not match Note address. Date Issued: xx/xx/xxxx/ Relative Sequence Num: <empty>, Date Issued: xx/xx/xxxx / Relative Sequence Num: <empty> NW missing from CD. Address exceeds field length to include NW   Reviewer Comment (2018-05-17): Character field does not allow for full length of address, missing NW is not material
 05/17/2018     1 A [Redacted] NM Primary Purchase   C B C A B B C A Non QM Non QM No
203416125 [Redacted] [Redacted] 6433398 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): Received evidence of E-Consent.
 05/17/2018     1 A [Redacted] NM Primary Purchase No Defined Cure C B C A B B C A Non QM Non QM No
203416125 [Redacted] [Redacted] 6433400 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 147.66100% > Calculated TIP 143.43800%.  Used Index Value = 2.50750%% for testing.           2 B [Redacted] NM Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B C A Non QM Non QM Yes
203416126 [Redacted] [Redacted] 6395222 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203416126 [Redacted] [Redacted] 6451517 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.96737% exceeds Guideline total debt ratio of 45.00000%. 47.97% > 45% Non-Prime program.   Lender's DTI 49.39% > 45%.  Exception not acknowledged by Lender. Credit score, payment shock Reviewer Comment (2018-05-16): Rec'd exception for DTI > maximum allowed.
     05/16/2018 2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203416126 [Redacted] [Redacted] 6451580 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-05-16): Rec'd DTI exception
 05/16/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203416126 [Redacted] [Redacted] 6451581 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-05-16): Rec'd DTI exception
 05/16/2018     1 A [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203416126 [Redacted] [Redacted] 6451582 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-16): Rec'd e-consent
 05/16/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203416126 [Redacted] [Redacted] 6451587 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/xx/xx/xxxx)             2 B [Redacted] FL Primary Purchase   C B C B C B C A Non QM Non QM No
203416128 [Redacted] [Redacted] 6441784 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.31 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval in file, page 457. Reserves: Requirements not met. Compensating Factors: 1) DTI. 2) Residual Income. 28.304% DTI on this Bank Statement documentation loan < 45x% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $10,202.96		 Reviewer Comment (2018-05-15): Compensating Factors: 1) DTI. 2) Residual Income.
     05/15/2018 2 B [Redacted] GA Primary Purchase   C B C B B A C A Non QM Non QM No
203416128 [Redacted] [Redacted] 6441805 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] GA Primary Purchase   C B C B B A C A Non QM Non QM No
203416128 [Redacted] [Redacted] 6451043 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $125.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $125.00. Sufficient or excess cure was provided to the borrower at Closing.  Not Provided.       05/11/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C B C B B A C A Non QM Non QM Yes
203416128 [Redacted] [Redacted] 6504634 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing [REDACTED] #xxxx dated 09/2016 used for Bank Statement income calculation. 28.304% DTI on this Bank Statement documentation loan < 45x% guideline max

Borrower on this Bank Statement documentation loan has a disposable income of $10,202.96		 Reviewer Comment (2018-05-18): Rec'd exception.  Bank statement:  account requirements not met.
     05/18/2018 2 B [Redacted] GA Primary Purchase   C B C B B A C A Non QM Non QM No
203416128 [Redacted] [Redacted] 6504967 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. document not found in file   Reviewer Comment (2018-05-18): rec'd e-consent
 05/18/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B C B B A C A Non QM Non QM No
203416129 [Redacted] [Redacted] 6390734 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C A A A B A C A Non QM Non QM No
203416129 [Redacted] [Redacted] 6391506 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not provided   Reviewer Comment (2018-05-17): rec'd e-consent
 05/17/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C A A A B A C A Non QM Non QM No
203416129 [Redacted] [Redacted] 6391516 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $39.99 exceeds tolerance of $39.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520) Total Closing costs exceed the legal limit by $0.99 to cover the increased cost of the credit report.  Lender did credit the borrower $0.99.       05/07/2018   1 A [Redacted] FL Primary Refinance - Cash-out - Other Final CD evidences Cure C A A A B A C A Non QM Non QM Yes
203416132 [Redacted] [Redacted] 6411397 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203416132 [Redacted] [Redacted] 6475128 [Redacted] [Redacted] Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: [REDACTED]/ End Date: 03/09/2018 // Account Type: Checking / Account Number: xxxx 1 mo bank statement dated 3/9/2018 for [REDACTED] (acct #xxxx) < 2 mo. bank statements required under Foreign National program. DTI, LTV, payment shock, reserves, residual income. Reviewer Comment (2018-05-17): Rec'd exception for Asset Qualifier:  Requirements not met.  1 month bank statement < 2 months required under FN program.
     05/17/2018 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203416132 [Redacted] [Redacted] 6475356 [Redacted] [Redacted] Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation. Financial Institution: [REDACTED] / End Date: 02/28/2018 // Account Type: Savings / Account Number: xxxx 1 mo bank statement (2/1/2018 to 2/28/2018)  for [REDACTED] (acct #xxxx) < 2 mo. bank statements required under Foreign National program.

14 day [Redacted] statement (3/1/2018 to 3/14/2018)  for [REDACTED] (acct #xxxx) < 2 mo. bank statements required under Foreign National program.

1 mo bank statement (3/2/2018 to 3/30/2018)  for [REDACTED] ([Redacted]ogram.		 DTI, LTV, payment shock, reserves, residual income. Reviewer Comment (2018-05-17): Rec'd exception for Asset Qualifier: Requirements not met.  1 month bank statement < 2 months required under FN program.
     05/17/2018 2 B [Redacted] FL Investment Purchase   C B C B A A C A N/A N/A No
203416133 [Redacted] [Redacted] 6456959 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Missing Seller Closing Disclosure.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203416133 [Redacted] [Redacted] 6457034 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203416133 [Redacted] [Redacted] 6458157 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-17): Appraisal dated [Redacted]
     05/17/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203416133 [Redacted] [Redacted] 6530339 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Business assets cannot be used per Guideline 17.2.   Reviewer Comment (2018-05-20): Business assets up to 50% allowable
 05/20/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203416133 [Redacted] [Redacted] 6530345 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $155,903.15 is less than Cash From Borrower $157,084.07. Business assets cannot be used per Guideline 17.2.   Reviewer Comment (2018-05-20): Allowable to use 50% business income


Buyer Comment (2018-05-18): This loan is a Platinum Business Bank Statement 5/1 ARM
 05/20/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203416133 [Redacted] [Redacted] 6530361 [Redacted] [Redacted] Credit System General Flood Certificate Subject Address does not match Note address.   Flood Cert shows street address as [REDACTED]   Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203416133 [Redacted] [Redacted] 6530415 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $13.00 + $250.00   Reviewer Comment (2018-05-18): Client has provided an attestation that the Title - Administration and Recording Service Fees were required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/18/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203416133 [Redacted] [Redacted] 6530416 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $13.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-18): Client has provided an attestation that the Title - Recording Service Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/18/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203416133 [Redacted] [Redacted] 6530417 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Administration Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-18): Client has provided an attestation that the Title - Administration Fee was required by the vendor selected by the borrower.  No zero percent tolerance violation exists.
 05/18/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203416134 [Redacted] [Redacted] 6447626 [Redacted] [Redacted] Credit Title Missing Document Final Title Policy is missing. No evidence of title in file.   Missing Preliminary Title Commitment.   Reviewer Comment (2018-05-17): Received.
 05/17/2018     1 A [Redacted] FL Primary Purchase   C B C B C A A A Non QM Non QM No
203416134 [Redacted] [Redacted] 6501476 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): Received evidence of E-Consent.
 05/17/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B C B C A A A Non QM Non QM No
203416134 [Redacted] [Redacted] 6501477 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflect a Lender credit for $9.00 Zero Percent tolerance.   Reviewer Comment (2018-05-17): Received attestation from lender that vendor used for Search was outsourced by title company that borrower shopped for.
 05/17/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A A A Non QM Non QM Yes
203416134 [Redacted] [Redacted] 6501478 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77174) $9.00 Title - Recording Fee not disclosed on Loan Estimate dated 3/17/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $9.00 Zero Percent tolerance.   Reviewer Comment (2018-05-17): Received attestation from lender that vendor used for Search was outsourced by title company that borrower shopped for.
 05/17/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A A A Non QM Non QM Yes
203416134 [Redacted] [Redacted] 6501759 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Mortgage Statement(s) not provided   Missing verification of annual property taxes, hazard insurance and HOA for [REDACTED] (current primary)  to confirm $150.00 stated monthly amount per 1003.  A copy of [REDACTED] #xxxxxxxxx) mortgage statement verifying $849.00 payment includes escrow for taxes/ins/HOA Residual income $11,000 on bank statement loan Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18     pulled the listing agreement with actual taxes, the payment from the credit report, and estimated $100 per month insurance.  No HOA per listing agreement, remains a 2 as we do not have actual taxes, but that the DTI is still less than 45%
     05/20/2018 2 B [Redacted] FL Primary Purchase   C B C B C A A A Non QM Non QM No
203416136 [Redacted] [Redacted] 6377527 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-10): Appraisal effective date 4/5/18
     05/10/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203416136 [Redacted] [Redacted] 6377573 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203416136 [Redacted] [Redacted] 6422749 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer's CD discloses a $1,241.00 Title - Owner's Title Insurance fee amount paid by Seller at closing vs. $584.00 disclosed on Seller's CD.  Consumer CD discloses a $600.00 Home Warranty fee amount paid by Seller at closing vs. $520.00 disclosed on Seller's CD           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203416136 [Redacted] [Redacted] 6426434 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.71679% exceeds Guideline total debt ratio of 45.00000%. 46.72% > 45% Platinum program.  Lender's 46.95% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 24.54% housing ratio and $14,937.24 residual income. Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx Reviewer Comment (2018-05-09): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 24.54% housing ratio and $14,937.24 residual income.
     05/09/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203416136 [Redacted] [Redacted] 6429617 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-16): rec'd e-consent
 05/16/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203416137 [Redacted] [Redacted] 6422026 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C A A A B A C A Non QM Non QM No
203416137 [Redacted] [Redacted] 6472885 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): rec'd e-consent
 05/17/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203416138 [Redacted] [Redacted] 6417595 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance coverage is short $7320.00 per the Insurance policy.   Reviewer Comment (2018-05-14): covers loan amount


Buyer Comment (2018-05-10): The Coverage is $91,000 and the Loan amt is $90,320; please re-look..thanks
 05/14/2018     1 A [Redacted] OH Investment Purchase   C A C A     A A     No
203416139 [Redacted] [Redacted] 6389555 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] SC Primary Purchase   C B C B C A C A Non QM Non QM No
203416139 [Redacted] [Redacted] 6390195 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure discloses a $250.00 Lender cure credit for $50.00 tolerance   Reviewer Comment (2018-05-17): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/17/2018     1 A [Redacted] SC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203416139 [Redacted] [Redacted] 6444011 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing verification [REDACTED] prior residence, sold or that Borrower has no financial obligations in property.   Reviewer Comment (2018-05-17): Rec'd evidence borrower has no ownership interest in property.
 05/17/2018     1 A [Redacted] SC Primary Purchase   C B C B C A C A Non QM Non QM No
203416139 [Redacted] [Redacted] 6444247 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.19 is less than Guideline PITIA months reserves of 6.00. 3.19 months < 6 months (no verified housing history) Non-Prime program.  Lender's 2 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 29.20% < 40% housing ratio and $3,278.99 residual income. Borrower on this (Documentation Type) documentation loan has a disposable income of $x,xxx.xx Reviewer Comment (2018-05-10): Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors: 29.20% < 40% housing ratio and $3,278.99 residual income.
     05/10/2018 2 B [Redacted] SC Primary Purchase   C B C B C A C A Non QM Non QM No
203416139 [Redacted] [Redacted] 6444289 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): Rec'd e-consent
 05/17/2018     1 A [Redacted] SC Primary Purchase No Defined Cure C B C B C A C A Non QM Non QM No
203416139 [Redacted] [Redacted] 6444290 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Administration Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219) $50.00 Title - Administration Fee not disclosed on Loan Estimate dated 3/19/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $50.00 tolerance.   Reviewer Comment (2018-05-17): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/17/2018     1 A [Redacted] SC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203416140 [Redacted] [Redacted] 6447035 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C B A A B B C A Non QM Non QM No
203416140 [Redacted] [Redacted] 6447985 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 124.21400% > Calculated TIP 119.87300%.  Used Index Value = 2.51200% for testing.           2 B [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203416140 [Redacted] [Redacted] 6503416 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Primary Refinance - Cash-out - Other No Defined Cure C B A A B B C A Non QM Non QM No
203416141 [Redacted] [Redacted] 6409195 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A A A A A C A N/A N/A No
203416142 [Redacted] [Redacted] 6384648 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. PITIA months reserves does not meet 6 months requirement as missing Final CD and proof of funds received from cash-out refinance on [REDACTED]   Reviewer Comment (2018-05-16): Rec'd CD from cash out refi of Ridgemore Drive.
 05/16/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416142 [Redacted] [Redacted] 6384657 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Credit Risk Summary & Exception Approval in file, page 295. DTI > maximum allowed. Compensating Factors: 1) DTI - front end DTI. 2) Stable Employment History. (leaving this exception until receive documentation for new payment for [REDACTED]) Borrower has job stability for 5 years as [Redacted].

Front end ratio 28.412 < 40% maximum		 Reviewer Comment (2018-05-16): Exception in file for DTI > maximum allowed.  Rec'd evidence of PITIA from refinance of [REDACTED].
     05/16/2018 2 B [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416142 [Redacted] [Redacted] 6384682 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416142 [Redacted] [Redacted] 6384687 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $32,607.79 is less than Cash From Borrower $47,105.83. Final CD and evidence of proceeds from cash-out refinance is not evident ([REDACTED]).   Reviewer Comment (2018-05-16): Rec'd CD from cash out refi of [REDACTED].
 05/16/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416142 [Redacted] [Redacted] 6384764 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Loan is at  ATR risk due to DTI exceeds 45% and the investors exception approval.   Reviewer Comment (2018-05-16): DTI exception provided.
 05/16/2018     1 A [Redacted] FL Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203416142 [Redacted] [Redacted] 6384810 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Loan failed QM DTI, which exceeds 45% as well as Points and Fees.   Reviewer Comment (2018-05-16): DTI exception provided.
 05/16/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416142 [Redacted] [Redacted] 6426993 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Four months of automatic drafts for all 3 auto payments paid by the business are evident however, credit guidelines require 6 months cancelled checks and or automatic drafts.   Reviewer Comment (2018-05-16): Rec'd additional two months.
 05/16/2018     1 A [Redacted] FL Primary Purchase   C B C B C A C A Non QM Non QM No
203416142 [Redacted] [Redacted] 6427124 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose Non-Escrowed Property Costs over Year 1. (Final/xx/xx/xxxx) Field is blank   Reviewer Comment (2018-05-16): cleared with compliance re-run.
 05/16/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203416143 [Redacted] [Redacted] 6402604 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203416143 [Redacted] [Redacted] 6452243 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 62.90242% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 192. DTI > maximum allowed. Compensating Factors: 1) DTI - front end below 25%. 2) Stable Employment History.  // (DTI OVER 50%) Missing verification of PITIA for new primary residence - [REDACTED] DTI is 62.90% using $1,573 showing on Final 1003. Borrower has employment stability for 13 years in the [Redacted] field.   She has been Owner of [REDACTED] for 13 years. Reviewer Comment (2018-05-18): Exception approval for DTI based on front end and 13 years job stability
     05/18/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203416143 [Redacted] [Redacted] 6459824 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing verification of PITIA for new primary residence - [REDACTED] DTI is 61.285% using $1,573 showing on Final 1003.   Reviewer Comment (2018-05-18): Received payment letter


Reviewer Comment (2018-05-17): Recalculated income/debts, breakdown as follows (please note, missing lease for 294SE Eloise $1,450/month, added exception):

DTI is still 52.25%

Schedule C income $5,546
Rental income $1,301.35 ([REDACTED] $919.85 (missing $1,450 lease) and [REDACTED] $381.50 (2 year avg. Schedule E))
TOTAL INCOME:   $6,847.35

Primary PITIA $1,573

Rent loss subject $114.38
Gap credit debt $1,890 ($615 student loan $600 United, $366 platinum, $234 Go, $50 Comenity and $25 Capital One)


Buyer Comment (2018-05-15): On this loan it appears that the $1573 may have been added in twice, since this was a new loan the UW calculated the $1573 as the present PITI for the Bwr for Property [REDACTED]. If  you could please look at 4 of 4 of the 1003 under liabilities  (B1) it states [REDACTED] Unpaid Balance $199,750 which matches the information on page 3 of 4 of the REO for the [REDACTED]. The UW stated he had to put it that way so the ratios wouldn’t be calculated twice for the $1573. I also uploaded the 1st payment letter for property [REDACTED]  Property.
 05/18/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203416143 [Redacted] [Redacted] 6534837 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing lease for $1,450 for [REDACTED].   Reviewer Comment (2018-05-18): Property is on taxes.  Appears taxes show [REDACTED], per updated documentation borrower owns xxx and xxx does not exist
 05/18/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B C B A A C A N/A N/A No
203416144 [Redacted] [Redacted] 6401640 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] TN Primary Purchase   C B C B B B C A Non QM Non QM No
203416144 [Redacted] [Redacted] 6403135 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA -  Initial Escrow Account Statement Missing RESPA: Initial escrow account statement was not provided to the borrower.             2 B [Redacted] TN Primary Purchase   C B C B B B C A Non QM Non QM No
203416144 [Redacted] [Redacted] 6457987 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Award Letter / Continuance Letter Missing Tennessee Consolidated Retirement System Award Letter / Continuance Letter to support $299.53 monthly income to qualify.   Reviewer Comment (2018-05-17): Borrower is of retirement age.  Bank statement dated 4/5/18 reflects $299.53 deposit.


Buyer Comment (2018-05-14): LAS only shows $15,000 EMD.  Cashier check for $85,000 EMD was not taken into account (part of the submission package).  Per final signed CD, only $14,067.43 was needed to close.  Please review assets.  Borrower should have sufficient funds to close.
[REDACTED] statement ending 4/5/18  shows borrower is still received $299.53 from TN Consolidated Retirement as of 3/29/18.
 05/17/2018     1 A [Redacted] TN Primary Purchase   C B C B B B C A Non QM Non QM No
203416144 [Redacted] [Redacted] 6458047 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Missing verification 6 months ($12,612.423) PITI reserves Platinum program. Asset verification does not support Lender's calculated 3 months < 6.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  71.40% LTV and 33.9% payment shock. xx.xx% LTV < xx.xx guideline max -  $xx,xxx.xx more equity than required by program guidelines Reviewer Comment (2018-05-11): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  71.40% LTV and 33.9% payment shock.
     05/11/2018 2 B [Redacted] TN Primary Purchase   C B C B B B C A Non QM Non QM No
203416144 [Redacted] [Redacted] 6458120 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.98449% exceeds Guideline total debt ratio of 45.00000%. 48.98% > 45% Platinum program.  Lender's 49.23% > 45%.  Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  71.40% LTV and 33.9% payment shock. xx.xx% LTV < xx.xx guideline max -  $xx,xxx.xx more equity than required by program guidelines Reviewer Comment (2018-05-11): Lender's Credit Risk Summary & Exception Approval in file.  Compensating factors:  71.40% LTV and 33.9% payment shock.
     05/11/2018 2 B [Redacted] TN Primary Purchase   C B C B B B C A Non QM Non QM No
203416144 [Redacted] [Redacted] 6458160 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): rec'd e-consent
 05/17/2018     1 A [Redacted] TN Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203416144 [Redacted] [Redacted] 6458450 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $47,579.89 is less than Cash From Borrower $115,180.70. $47,579.89 < $115,180.70   Reviewer Comment (2018-05-17): Rec'd evidence of additional $85,000 earnest money dated 3/5/18.


Buyer Comment (2018-05-14): LAS only shows $15,000 EMD.  Cashier check for $85,000 EMD was not taken into account (part of the submission package).  Per final signed CD, only $14,067.43 was needed to close.  Please review assets.  Borrower should have sufficient funds to close.
 05/17/2018     1 A [Redacted] TN Primary Purchase   C B C B B B C A Non QM Non QM No
203416144 [Redacted] [Redacted] 6458518 [Redacted] [Redacted] Credit Assets Asset Documentation Guideline Issue:Insufficient asset documentation.   Missing copy of $100,000.00 escrow deposit check of wire payable to settlement agent, proof of receipt and sourced verified.   Loan file documents $15,000.00 earnest money deposit per purchase contract.    $100,000.00 deposit referenced per closing statements is cannot be verified.    Copy of $100,000.00 check #xxx drawn on [REDACTED] #xxxx account (p 203) cannot be reconciled as one and the same as deposit made to escrow.   Reviewer Comment (2018-05-17): Rec'd evidence of additional $85,000 earnest money dated 3/5/18.
 05/17/2018     1 A [Redacted] TN Primary Purchase   C B C B B B C A Non QM Non QM No
203416145 [Redacted] [Redacted] 6438826 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B A A B B C A Non QM Non QM No
203416145 [Redacted] [Redacted] 6438921 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) # of months of property taxes was not provided on final CD.           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203416145 [Redacted] [Redacted] 6519474 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. document not in file           2 B [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B A A B B C A Non QM Non QM No
203416146 [Redacted] [Redacted] 6441391 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203416146 [Redacted] [Redacted] 6442296 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.63816% exceeds Guideline total debt ratio of 45.00000%. 49.64% > 45% Non-Prime Recent Housing Event Second Home program.  Lender's 49.41% > 45%.  Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: $17,041.88 Residual Income and Stable Employment History. Both borrowers have employment stability. Borrower has owned his [Redacted] practice for over 10 years and the Co-Borrower has had only two jobs in the past three years

Borrower on this Recent Housing Event loan program has a disposable income of $11,671.30. Payment shock was also cited as a compensating factor, even though this is a second home and an additional monthly debt.		 Reviewer Comment (2018-05-16): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors: $17,041.88 Residual Income and Stable Employment History.
     05/16/2018 2 B [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203416146 [Redacted] [Redacted] 6442673 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted]  Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. ([REDACTED]/S-Corp) Missing 2018 YTD and 2017 P&L for [REDACTED] on loan dated xx/xx/xxxx.   Most recent tax returns in file dated 2016 & 2015.   Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203416146 [Redacted] [Redacted] 6489713 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] P&L Statement, W-2 (2015), W-2 (2016) Missing 2018 YTD and 2017 P&L for [REDACTED] on loan dated xx/xx/xxxx.   Most recent tax returns in file dated 2016 & 2015. 21.07 months reserves > 6 months guideline minimum - borrowers have verified reserves of $92,734.48

Both borrowers have employment stability. Borrower has owned his [Redacted] practice for over 10 years and the Co-Borrower has had only two jobs in the past three years

Borrower on this Recent Housing Event loan program has a disposable income of $11,671.30. Payment shock was also cited as a compensating factor, even though this is a second home and an additional monthly debt.		 Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203416146 [Redacted] [Redacted] 6522292 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .           2 B [Redacted] FL Second Home Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203416147 [Redacted] [Redacted] 6433142 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203416147 [Redacted] [Redacted] 6433872 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for Closing Protection Fee of $40.00 was not provided.   Reviewer Comment (2018-05-17): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/17/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203416147 [Redacted] [Redacted] 6433876 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7724) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-17): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/17/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203416147 [Redacted] [Redacted] 6452183 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.61 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval in file, page 300. Reserves: Requirements not met. Compensating Factors: 1) Payment Shock . 2) Residual Income. Borrower on this Full documentation loan has a disposable income of $3,669.95 Reviewer Comment (2018-05-12): Compensating Factors: 1) Payment Shock . 2) Residual Income.
     05/12/2018 2 B [Redacted] OH Primary Refinance - Cash-out - Debt Consolidation   C B C B C A C A Non QM Non QM No
203416148 [Redacted] [Redacted] 6437215 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM No
203416148 [Redacted] [Redacted] 6518121 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. document not in file           2 B [Redacted] TX Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203416149 [Redacted] [Redacted] 6382443 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C A C A B A C A Non QM Non QM No
203416149 [Redacted] [Redacted] 6436805 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-16): rec'd e-consent
 05/16/2018     1 A [Redacted] CA Primary Refinance - Rate/Term No Defined Cure C A C A B A C A Non QM Non QM No
203416149 [Redacted] [Redacted] 6437037 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing Lender's signature on Processor Certification dated 4/2/2018 (p 27) regarding verification of Borrower's Social Security number and birth date.   Reviewer Comment (2018-05-16): Rec'd signed processor's cert.
 05/16/2018     1 A [Redacted] CA Primary Refinance - Rate/Term   C A C A B A C A Non QM Non QM No
203416150 [Redacted] [Redacted] 6445432 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C A A A B A C A Non QM Non QM No
203416150 [Redacted] [Redacted] 6529680 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. .   Reviewer Comment (2018-05-17): Received evidence of E-Consent.
 05/17/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C A A A B A C A Non QM Non QM No
203416152 [Redacted] [Redacted] 6432208 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203416152 [Redacted] [Redacted] 6432221 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. [Redacted] Property taxes and utility bill on seller's cd not included in final cd.           2 B [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203416153 [Redacted] [Redacted] 6394851 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] OH Primary Refinance - Cash-out - Debt Consolidation   C A A A A A C A Non QM Non QM No
203416155 [Redacted] [Redacted] 6403503 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203416155 [Redacted] [Redacted] 6404793 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Field is left blank on Final CD.           2 B [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203416155 [Redacted] [Redacted] 6404794 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $150 fee for re-certification of value was discovered on [Redacted] per CoC letter provided (p 117,119).  The Disclosure Tracking Summary (p 320) and Disclosure Tracking Details (p 326) show a revised CD sent on [Redacted], however, there is no CD dated [Redacted] provided for review.   Reviewer Comment (2018-05-16): Rec'd 4/10/18 CD and COC.
 05/16/2018     1 A [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203416155 [Redacted] [Redacted] 6404795 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) $150 fee for re-certification of value was discovered on [Redacted] per CoC letter provided (p 117,119).  The Disclosure Tracking Summary (p 320) and Disclosure Tracking Details (p 326) show a revised CD sent on [Redacted], however, there is no CD dated [Redacted] provided for review.   Reviewer Comment (2018-05-16): Rec'd 4/10/18 CD and COC.
 05/16/2018     1 A [Redacted] IL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203416155 [Redacted] [Redacted] 6455073 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/04/04/2018)             2 B [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203416155 [Redacted] [Redacted] 6455088 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.03755% exceeds Guideline total debt ratio of 45.00000%. Guideline requirement for DTI is 45%, loan is at 46.04244% with an exception cited by the lender. 74 months reserves > 3 months guideline minimum.   $95,813 available reserves for the borrower.

Borrower has employment stability for 13 years in the [Redacted] industry.		 Reviewer Comment (2018-05-16): DTI exception in file.


Buyer Comment (2018-05-14): exception is in file for DTI greater than 45%
     05/16/2018 2 B [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203416155 [Redacted] [Redacted] 6455164 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI is higher than guideline requirement which makes the loan at a risk classification.   Reviewer Comment (2018-05-16): DTI exception in file.
 05/16/2018     1 A [Redacted] IL Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203416155 [Redacted] [Redacted] 6455165 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI is higher than guideline requirement which makes the loan at a risk classification.   Reviewer Comment (2018-05-16): DTI exception in file.
 05/16/2018     1 A [Redacted] IL Primary Purchase   C B C B C B C A Non QM Non QM No
203416156 [Redacted] [Redacted] 6382421 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] Seller's CD discloses a $98.00 Recording fee and $2,520.00 Transfer Tax fee paid by Seller at closing not disclosed on Consumer's CD           2 B [Redacted] FL Primary Purchase   C B C A B B A A Non QM Non QM Yes
203416156 [Redacted] [Redacted] 6438830 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing supplement to credit report verifying [REDACTED] $326,906.00 balance ($21,472.00 past due balance) paid / zero balance as a result of xx/xx/xxxx short sale of [REDACTED].   Reviewer Comment (2018-05-16): Charge off > 24 months.


Buyer Comment (2018-05-12): date of last activity is 9/15 greater than 24 months nothing additional is needed.
 05/16/2018     1 A [Redacted] FL Primary Purchase   C B C A B B A A Non QM Non QM No
203416157 [Redacted] [Redacted] 6385625 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM No
203416157 [Redacted] [Redacted] 6386204 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD fees total $14,417.00, while closing CD seller's fees total $13,890.00.           2 B [Redacted] FL Primary Purchase   C B A A C B C A Non QM Non QM Yes
203416157 [Redacted] [Redacted] 6442146 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $8.00   Reviewer Comment (2018-05-16): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/16/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203416157 [Redacted] [Redacted] 6442147 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $8.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-16): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/16/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203416158 [Redacted] [Redacted] 6386110 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203416159 [Redacted] [Redacted] 6421266 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203416159 [Redacted] [Redacted] 6422913 [Redacted] [Redacted] Compliance Compliance State Compliance Colorado HLPP Broker TNB Test Colorado Home Loan (HB1322): Unable to determine if brokered mortgage loan has a tangible net benefit to the borrower due to missing prior loan information.             2 B [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203416159 [Redacted] [Redacted] 6422914 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Final CD disclosed an amount under prepaids of $1,389.78 for homeowner's insurance, however, calculated amount is $1,384.56           2 B [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203416159 [Redacted] [Redacted] 6422916 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Interim Closing Disclosure Timing Irregular Transactions TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on xx/xx/xxxx contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation Final CD issued xx/xx/xxxx was not provided within three business days of closing, closing date xx/xx/xxxx. No evidence of early receipt located in the file.   Reviewer Comment (2018-05-21): Rec'd 4/11/18 CD.


Reviewer Comment (2018-05-18): Rec'd Disclosure Tracking Tool reflecting a CD issued and rec'd by the borrower 4/11/18.  This CD is not in file.
 05/21/2018     1 A [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B C B C B C A Non QM Non QM No
203416159 [Redacted] [Redacted] 6423100 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 1.28 is less than Guideline PITIA months reserves of 6.00. Guidelines requires 6 months reserves.  Only verified 1.28 months. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-05-15): Credit Risk Summary & Exception approval p255
     05/15/2018 2 B [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203416159 [Redacted] [Redacted] 6423148 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.00373% exceeds Guideline total debt ratio of 45.00000%. Total liabilities on the credit report total $15,818.00, however, 1008 reflects total payment of $2,309.00 causing total debt ratio discrepancy. Guideline variance approved by lender at time of origination Reviewer Comment (2018-05-15): Credit Risk Summary & Exception approval p255
     05/15/2018 2 B [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203416159 [Redacted] [Redacted] 6472044 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 80.00000%. Guideline states that Cash Out maximum LTV is 80%.   Loan is at 85% LTV. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-05-15): Credit Risk Summary & Exception approval p255
     05/15/2018 2 B [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203416159 [Redacted] [Redacted] 6472177 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 605 is less than Guideline representative FICO score of 620. Guideline requirement minimum FICO score for Cash Out is 620 and the borrower has a FICO score of 605. Residual income, payment shock. Reviewer Comment (2018-05-18): Rec'd exception for credit score < program requirements
     05/18/2018 2 B [Redacted] CO Primary Refinance - Cash-out - Debt Consolidation   C B C B C B C A Non QM Non QM No
203416160 [Redacted] [Redacted] 6433591 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] IL Primary Purchase   C B C A B B C A Non QM Non QM No
203416160 [Redacted] [Redacted] 6433612 [Redacted] [Redacted] Credit Hazard Insurance Document Error Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.   No Lender shown on evidence of hazard insurance.   Reviewer Comment (2018-05-17): HOI does contain lender as payee.


Buyer Comment (2018-05-16): Insured Mortgagee/Lender clause is at the top of the 3rd page
 05/17/2018     1 A [Redacted] IL Primary Purchase   C B C A B B C A Non QM Non QM No
203416160 [Redacted] [Redacted] 6434370 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $23,498.50 > $2,657.50           2 B [Redacted] IL Primary Purchase   C B C A B B C A Non QM Non QM Yes
203458567 [Redacted] [Redacted] 6473003 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Second Home Purchase   C B A A C B C A Non QM Non QM No
203458567 [Redacted] [Redacted] 6474104 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.           2 B [Redacted] CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203458567 [Redacted] [Redacted] 6474107 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) CD provided xx/xx/xxxx was not signed by borrower and assumed to have been received within 3 business days of closing.   Reviewer Comment (2018-05-21): Received signed CD
 05/21/2018     1 A [Redacted] CA Second Home Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203458567 [Redacted] [Redacted] 6518571 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer CD reflects $27,912.65, Seller CD reflects $30,288.79           2 B [Redacted] CA Second Home Purchase   C B A A C B C A Non QM Non QM Yes
203458570 [Redacted] [Redacted] 6472102 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller CD fees total $5,870.17, while closing CD seller's fees total $6,195.17.           2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM Yes
203458570 [Redacted] [Redacted] 6472157 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203458570 [Redacted] [Redacted] 6512629 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.97 is less than Guideline PITIA months reserves of 6.00. Credit Risk Summary & Exception Approval in file, page 342, < 6 months reserves .  Compensating Factors: 1) DTI       2) Residual Income 20.91% DTI on this  Bank Statement documentation loan < 45% guideline max - 24.09% below program guideline maximum

Borrower on this Bank Statement loan documentation loan has a disposable income of $7689.64		 Reviewer Comment (2018-05-17): Final was received with lender approved exception for not meeting reserve requirement.
     05/17/2018 2 B [Redacted] TX Primary Purchase   C B C B B B C A Non QM Non QM No
203458571 [Redacted] [Redacted] 6470746 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B A A B B C A Non QM Non QM No
203458571 [Redacted] [Redacted] 6512379 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. E-Sign consent is missing from the file.           2 B [Redacted] CA Primary Refinance - Cash-out - Other No Defined Cure C B A A B B C A Non QM Non QM No
203458572 [Redacted] [Redacted] 6470268 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203458572 [Redacted] [Redacted] 6503903 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Borrower did not provide a valid VOE 10 days from closing Residual income $34,500 on Bank statement loan Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM No
203458572 [Redacted] [Redacted] 6503917 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non compliant. Seller pad fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $21,303.52, while closing CD sellers fees total $19,865.75.           2 B [Redacted] FL Second Home Purchase   C B C B B B C A Non QM Non QM Yes
203458574 [Redacted] [Redacted] 6468604 [Redacted] [Redacted] Credit Loan Package Documentation Loan File Missing Document: Hazard Insurance Policy not provided       Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458574 [Redacted] [Redacted] 6468634 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458574 [Redacted] [Redacted] 6468813 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non compliant. Seller pad fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $21,097.50, while closing CD sellers fees total $21,062.00           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203458574 [Redacted] [Redacted] 6503318 [Redacted] [Redacted] Credit Credit Credit Documentation Credit Report Error: Missing source document for credit/housing history.   Credit Risk Summary & Exception Approval in file, page 385, Insufficient housing history verification. Exception for using cancelled checks. Compensating Factors: 1) DTI min/max 40%/45% and borrower's DTI is 8.04%/16.39%   2) Residual Income min is $2,000.00 and borrower has $22,970.47. Guideline variance approved by lender at time of origination Reviewer Comment (2018-05-18): Credit Risk Summary & Exception approval p385
     05/18/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458575 [Redacted] [Redacted] 6463296 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Document did not disclose this information.           2 B [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203458575 [Redacted] [Redacted] 6463306 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Debt Consolidation   C B A A B B C A Non QM Non QM No
203458576 [Redacted] [Redacted] 6473864 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-18): Appraisal done post start date, no FEMA end date yet, appraisal shows no damage and done 4 months post start date
     05/18/2018 2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM No
203458576 [Redacted] [Redacted] 6473865 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 4/30/2008, Transaction Note date xx/xx/xxxx, signed xx/xx/xxxx.disbursement date of xx/xx/xxxx hazard policy effective date of xx/xx/xxxx. Guideline variance approved by lender at time of origination Reviewer Comment (2018-05-18): Hazard insurance disbursed at closing, waived down
     05/18/2018 2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM No
203458576 [Redacted] [Redacted] 6474093 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $9,642.00, while closing CD seller's fees total $3,296.39.
,		           2 B [Redacted] CA Primary Purchase   C B C B B B A A Non QM Non QM Yes
203458577 [Redacted] [Redacted] 6468166 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-18): Appraisal Effective Date 4/3/18
     05/18/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203458577 [Redacted] [Redacted] 6468285 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosed TIP 123.90200% > Calculated TIP 120.13100%.  Used Index Value = 2.53263% for testing.           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203458577 [Redacted] [Redacted] 6468322 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Disclosed 12 month Homeowner’s Insurance Premium of $512.36 should be $1,004.04 @ $141.54 per month.           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Non QM Non QM Yes
203458577 [Redacted] [Redacted] 6544480 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 5.68 is less than Guideline PITIA months reserves of 6.00. 5.68 < 6 months Platinum program.  Lender's 6 months calculation not supported by asset verification in file. [Redacted] Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18


Buyer Comment (2018-05-19): cash out can be used as reserves
     05/20/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203458577 [Redacted] [Redacted] 6544498 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 42.61442% exceeds Guideline housing ratio of 40.00000%. 42.61% > 40% Platinum program.   42.61% housing ratio includes $865.36 monthly property tax amount per Final Closing Disclosure (Initial Escrow Payment at Closing section).  Lender's 38.73% calculation < 40% includes a $785.17 monthly property tax amount. [Redacted] Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203458577 [Redacted] [Redacted] 6544508 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.47235% exceeds Guideline total debt ratio of 45.00000%. 45.47% > 45% Platinum program.   45.47% total debt ratio includes $865.36 monthly property tax amount per Final Closing Disclosure (Initial Escrow Payment at Closing section).  Lender's 41.58% calculation < 45% includes a $785.17 monthly property tax amount. [Redacted] Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203458577 [Redacted] [Redacted] 6544533 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > maximum   Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
 05/20/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C B C B A A Non QM Non QM Yes
203458577 [Redacted] [Redacted] 6544534 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > maximum   Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
 05/20/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B C B A A Non QM Non QM No
203458579 [Redacted] [Redacted] 6468487 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Investment Purchase   C A A A     C A     No
203458580 [Redacted] [Redacted] 6461097 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		 Property appraisal after Declaration Date and no damage was reported. Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-18): Appraisal Effective Date 04/02/2018
     05/18/2018 2 B [Redacted] CA Primary Purchase   D B D B C B A A Non QM Non QM No
203458580 [Redacted] [Redacted] 6461126 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Note - Senior Lien not provided   Simultaneous Senior Lien is not evident.   Reviewer Comment (2018-05-21): Received
 05/21/2018     1 A [Redacted] CA Primary Purchase   D B D B C B A A Non QM Non QM No
203458580 [Redacted] [Redacted] 6499953 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: AUS not provided   AUS approval for the 1st mortgage is not evident.   Reviewer Comment (2018-05-21): Received
 05/21/2018     1 A [Redacted] CA Primary Purchase   D B D B C B A A Non QM Non QM No
203458580 [Redacted] [Redacted] 6500254 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Missing AUS decision to determine if Loan Designation meets guidelines.   Reviewer Comment (2018-05-21): Received Exception approval
 05/21/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status D B D B C B A A Non QM Non QM Yes
203458580 [Redacted] [Redacted] 6502108 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income documentation requirements not met according to Decision System Input. All documentation requirements for DU were not met. AUS is not evident therefore, unable to confirm income documentation was met.   Reviewer Comment (2018-05-21): Received AUS
 05/21/2018     1 A [Redacted] CA Primary Purchase   D B D B C B A A Non QM Non QM No
203458580 [Redacted] [Redacted] 6502123 [Redacted] [Redacted] Credit Assets Asset Documentation Asset documentation requirements not met according to Decision System Input. All documentation requirements for DU were not met. AUS is not evident therefore, unable to confirm asset documentation was met.   Reviewer Comment (2018-05-21): Received AUS
 05/21/2018     1 A [Redacted] CA Primary Purchase   D B D B C B A A Non QM Non QM No
203458580 [Redacted] [Redacted] 6502219 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.57465% exceeds Guideline total debt ratio of 43.00000%. DTI exceeds program guidelines of 43% but meets exception approval. However, Exception Approval does not indicate the compensating factors. 742 > 720 minimum credit score

10 months reserves - $46,776.83

Borrower on this Full documentation loan has a disposable income of $5,362.57		 Reviewer Comment (2018-05-21): Received Credit Risk Summary & Exception Approval. DTI: Debt Ratio exceeds program guidelines. Compensating Factors: 1) Credit Score. 2) Credit History. 3) Reserves. 4) Residual Income.
     05/21/2018 2 B [Redacted] CA Primary Purchase   D B D B C B A A Non QM Non QM No
203458580 [Redacted] [Redacted] 6502466 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI exceeds Program guidelines of 43% with exception approval however, missing compensating factors.   Reviewer Comment (2018-05-21): Received Exception approval
 05/21/2018     1 A [Redacted] CA Primary Purchase   D B D B C B A A Non QM Non QM No
203458580 [Redacted] [Redacted] 6547488 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) The closing date is xx/xx/xxxx; whereas the Notary date is xx/xx/xxxx.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D B C B A A Non QM Non QM Yes
203458581 [Redacted] [Redacted] 6499252 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Secondary/xx/xx/xxxx) Documentation provided discloses Borrower received appraisal at least 3 days prior to closing.           2 B [Redacted] WA Second Home Refinance - Rate/Term   C B C A B B A A Non QM Non QM No
203458581 [Redacted] [Redacted] 6499799 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) CD disclosed date xx/xx/xxxx, Consummation date xx/xx/xxxx.           2 B [Redacted] WA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Non QM Non QM Yes
203458581 [Redacted] [Redacted] 6499801 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Document did not disclose this information.           2 B [Redacted] WA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Non QM Non QM Yes
203458581 [Redacted] [Redacted] 6499805 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Invalid Section B Combinations TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section. (Final/xx/xx/xxxx) Provider Disclosed as TBD           2 B [Redacted] WA Second Home Refinance - Rate/Term Good Faith Redisclosure C B C A B B A A Non QM Non QM Yes
203458581 [Redacted] [Redacted] 6499881 [Redacted] [Redacted] Credit Hazard Insurance Document Error Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.       Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] WA Second Home Refinance - Rate/Term   C B C A B B A A Non QM Non QM No
203458581 [Redacted] [Redacted] 6500037 [Redacted] [Redacted] Compliance Compliance Miscellaneous Compliance Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. Date Issued: xx/xx/xxxx / Relative Sequence Num: <empty> Processing Fee Paid to disclosed as TBD.           2 B [Redacted] WA Second Home Refinance - Rate/Term   C B C A B B A A Non QM Non QM No
203458581 [Redacted] [Redacted] 6535459 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xx/xx/xxxx) Disclosure provided states appraisal was received at least 3 days prior to closing.           2 B [Redacted] WA Second Home Refinance - Rate/Term   C B C A B B A A Non QM Non QM No
203458581 [Redacted] [Redacted] 6536223 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   Missing Bank Statement ending 12/31/2017.   Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] WA Second Home Refinance - Rate/Term   C B C A B B A A Non QM Non QM No
203458584 [Redacted] [Redacted] 6452228 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) CD TIP 135.04700 > Calculated TIP 132.82400, index from rate lock date 3/29/18           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203458584 [Redacted] [Redacted] 6452262 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. [Redacted] The Seller CD reported $66,741.75 in seller fees versus $59,541.75 reported on the final CD.           2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM Yes
203458584 [Redacted] [Redacted] 6452399 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-17): Appraisal effective date 3/31/18
     05/17/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203458584 [Redacted] [Redacted] 6452473 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203458584 [Redacted] [Redacted] 6452656 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Standard max DTI is 45%, exceptions allowed up to 50%, however exception was not provided. DTI is 48.79%   Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Reserves; residual income; stable employment history.
 05/18/2018     1 A [Redacted] CA Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203458584 [Redacted] [Redacted] 6452664 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Standard max DTI is 45%, exceptions allowed up to 50%, however exception was not provided. DTI is 48.79%   Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Reserves; residual income; stable employment history.
 05/18/2018     1 A [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203458584 [Redacted] [Redacted] 6452746 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 48.78563% exceeds Guideline total debt ratio of 45.00000%. Standard max DTI is 45%, exceptions allowed up to 50%, however exception was not provided. DTI is 48.79% Borrower has employment stability for over 44 years in the [Redacted].

Borrower on this bank statement income documentation loan has a disposable income of $7,719.88.

Borrower has 9.83 months PITI in reserves, which is more than the guideline requirement of 6 months.		 Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Reserves; residual income; stable employment history.
     05/18/2018 2 B [Redacted] CA Primary Purchase   C B C B C B C A Non QM Non QM No
203458585 [Redacted] [Redacted] 6489382 [Redacted] [Redacted] Credit Credit Credit Calculation / Analysis Guideline Requirement: Representative FICO score discrepancy. Representative FICO score of 555 is less than Guideline representative FICO score of 580. Borrower's middle score dropped from 02/2/2018 of 590 to final middle score of 555 on 04/07/2018 credit report. Guidelines require 580 middle score for second home. 38.85% DTI on this full documentation loan < 45% guideline max - 6.15% below program guideline maximum

Payment shock is less than the guidelines permit on this second home purchase..		 Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors: Payment shock less than permitted by guidelines; DTI lower than permitted by guidelines.
     05/18/2018 2 B [Redacted] SC Second Home Purchase   C B C B C B C A Non QM Non QM No
203458585 [Redacted] [Redacted] 6489594 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] SC Second Home Purchase   C B C B C B C A Non QM Non QM No
203458585 [Redacted] [Redacted] 6491510 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $455.00 while closing CD seller's fees total $75.00.           2 B [Redacted] SC Second Home Purchase   C B C B C B C A Non QM Non QM Yes
203458585 [Redacted] [Redacted] 6531892 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. Missing list of service providers.   Reviewer Comment (2018-05-23): Received SSPL
 05/23/2018     1 A [Redacted] SC Second Home Purchase No Defined Cure C B C B C B C A Non QM Non QM No
203458585 [Redacted] [Redacted] 6532292 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,985.50 exceeds tolerance of $1,579.00 plus 10% or $1,736.90.  Insufficient or no cure was provided to the borrower. (0) $0 tolerance cure provided to borrower.   Reviewer Comment (2018-05-23): Received SSPL
 05/23/2018     1 A [Redacted] SC Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B C A Non QM Non QM Yes
203458585 [Redacted] [Redacted] 6532299 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $0 tolerance cure provided to borrower.   Reviewer Comment (2018-05-23): Received SSPL
 05/23/2018     1 A [Redacted] SC Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B C A Non QM Non QM Yes
203458588 [Redacted] [Redacted] 6463400 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203458588 [Redacted] [Redacted] 6463469 [Redacted] [Redacted] Compliance Compliance Federal Compliance FACTA Disclosure Missing FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. Document not provided           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6468450 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying housing ratio discrepancy. Calculated investor qualifying housing ratio of 46.40337% exceeds Guideline housing ratio of 40.00000%. Housing ratio exceeds 40% guideline max; Unable to determine how lender calculated higher two year average of income; Lender exception approval allows for DTI to 41.362%. Borrower on this Full Documentation loan has a disposable income of $8,794.45

Payment Shock - 25.36185%

Borrower has job stability for 10 years as a [Redacted].		 Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Payment shock minimal; Residual income exceeds guideline requirement; stable employment history.
     05/18/2018 2 B [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6468452 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage Insufficient Coverage: Hazard insurance coverage amount is insufficient.       Reviewer Comment (2018-05-18): Insurer's Estimate of Replacement Cost has been provided.  Coverage is sufficient
 05/18/2018     1 A [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6468454 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6468542 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer's final CD stated fees that were not disclosed on the Seller's CD.           2 B [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM Yes
203458589 [Redacted] [Redacted] 6468551 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted]  Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. ([REDACTED]/Partnership) .           2 B [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6468552 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted]  Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. ([REDACTED]/S-Corp) .           2 B [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6468553 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted]  Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. ([REDACTED]/Partnership) .           2 B [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6468554 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted]  Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. ([REDACTED]/S-Corp) .           2 B [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6544280 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.71785% exceeds Guideline total debt ratio of 45.00000%. DTI exceeds 45% guideline max; Unable to determine how lender calculated higher two year average of income; Lender exception approval allows for DTI to 41.362%. Borrower on this Full Documentation loan has a disposable income of $8,794.45

Payment Shock - 25.36185%

Borrower has job stability for 10 years as a [Redacted].		 Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided. Compensating factors:  Payment shock less than permitted by guidelines; residual income greater than required; stable employment history.
     05/18/2018 2 B [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6544298 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Approval not provided   Lender approval is missing from file.   Reviewer Comment (2018-05-18): Loan approval has been provided.
 05/18/2018     1 A [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458589 [Redacted] [Redacted] 6544347 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI > guideline max   Reviewer Comment (2018-05-21): Updated DTI exception with credit approval


Reviewer Comment (2018-05-21): to re-review


Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided. Compensating factors:  Payment shock less than permitted by guidelines; residual income greater than required; stable employment history.
 05/21/2018     1 A [Redacted] OR Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203458589 [Redacted] [Redacted] 6544348 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI > guideline max   Reviewer Comment (2018-05-21): Updated DTI exception with credit approval


Reviewer Comment (2018-05-21): to re-review


Reviewer Comment (2018-05-18): Client elects to waive.  Credit Risk Summary & Exception Approval provided. Compensating factors:  Payment shock less than permitted by guidelines; residual income greater than required; stable employment history.
 05/21/2018     1 A [Redacted] OR Primary Purchase   C B C B C B C A Non QM Non QM No
203458590 [Redacted] [Redacted] 6459311 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided   Missing   Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] TX Primary Purchase   C B C B B B A A Non QM Non QM No
203458590 [Redacted] [Redacted] 6461476 [Redacted] [Redacted] Credit Hazard Insurance Insufficient Coverage The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date 04/27/2018, Transaction The effective date is the day after closing. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-05-23): Insurance was paid at closing and disbursed and is sufficient
     05/23/2018 2 B [Redacted] TX Primary Purchase   C B C B B B A A Non QM Non QM No
203458590 [Redacted] [Redacted] 6462147 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/04/19/2018) Date valuation provided to applicant is prior to the date of signature and report.           2 B [Redacted] TX Primary Purchase   C B C B B B A A Non QM Non QM No
203458590 [Redacted] [Redacted] 6462152 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. Sellers Closing Disclosure does not reflect $22.00 delivery charge.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203458590 [Redacted] [Redacted] 6502532 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $615.00 exceeds tolerance of $520.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         05/15/2018   1 A [Redacted] TX Primary Purchase Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203458591 [Redacted] [Redacted] 6492724 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $x28,777.50, while closing CD seller's fees total $5,215.00.           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203458591 [Redacted] [Redacted] 6492835 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458591 [Redacted] [Redacted] 6536767 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.58 is less than Guideline PITIA months reserves of 12.00. PITIA Reserves does not meet 12 months required for first time homebuyer but does meet exception policy with compensating factor of borrower has $2500 in residual income and low DTI. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-05-18): Credit Risk Summary & Exception approval p190
     05/18/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458591 [Redacted] [Redacted] 6536918 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Employment History is less than required but meets the exception policy based on compensating factor of borrower has $2500 in residual income and low DTI. Guideline variance approved by lender at time of origination Reviewer Comment (2018-05-18): Credit Risk Summary & Exception approval p190
     05/18/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458591 [Redacted] [Redacted] 6537030 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $775.00 exceeds tolerance of $710.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Fee disclosed as $710 on LE, but disclosed as $775 on Final Closing Disclosure.       05/17/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C B C B B B C A Non QM Non QM Yes
203458593 [Redacted] [Redacted] 6482412 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203458593 [Redacted] [Redacted] 6489284 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $525.00 exceeds tolerance of $495.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Final Closing Disclosure discloses a $30.00 Lender cure credit for tolerance       05/15/2018   1 A [Redacted] FL Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203458593 [Redacted] [Redacted] 6532222 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller's CD discloses $85.00 Title - Search and Exam , $125.00 Title - Municipal Lien Search, $10.00 Affidavit Recording and $700.00 Home Warranty fees paid by Seller at closing not disclosed on Consumer's CD.   Consumer's CD discloses a higher $10,797.00 RE Seller Commission and $10,797.00 RE Buyer Commission fee amounts paid by Seller at closing vs $3,287.50 and $7,987.50 amounts disclosed on Seller's CD.           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203458594 [Redacted] [Redacted] 6445761 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] TN Primary Purchase   D A D A A A A A Non QM Non QM No
203458594 [Redacted] [Redacted] 6445794 [Redacted] [Redacted] 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: [Redacted]		     Reviewer Comment (2018-05-20): Received appraisal
 05/20/2018     1 A [Redacted] TN Primary Purchase   D A D A A A A A Non QM Non QM No
203458594 [Redacted] [Redacted] 6445826 [Redacted] [Redacted] Credit Title Missing Document Final Title Policy is missing. No evidence of title in file.   Missing Preliminary Title work.   Final Title Policy is missing.   Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] TN Primary Purchase   D A D A A A A A Non QM Non QM No
203458594 [Redacted] [Redacted] 6495479 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Purchase Agreement / Sales Contract not provided   Missing complete Purchase Contract with Amendment(s) and or Addendum(s) acknowledged by all parties.  Loan file contains only Amendment #2 to contract.   Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] TN Primary Purchase   D A D A A A A A Non QM Non QM No
203458594 [Redacted] [Redacted] 6495563 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Valuation: Valuation Type: Appraisal / Valuation Report Date: <empty> Appraisal is missing Missing full appraisal reports, addendum(s) and photos(s)   Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] TN Primary Purchase   D A D A A A A A Non QM Non QM No
203458594 [Redacted] [Redacted] 6537860 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing copy of Exhibit A-C of Stipulated Settlement Agreement verifying property that Borrower has not financial obligation too is marital home [REDACTED] that secures mortgage documented via joint personal bank statements as paid by Borrower.       Copy of mortgage screen shot does not document mortgage secured by property purchased by Borrower and former spouse is former spouse's sole financial obligation,   Reviewer Comment (2018-05-21): Received proof of responsibility


Reviewer Comment (2018-05-20): borrower provided letter is not enough, need proof borrower is not obligated on Note, as it is her primary residence and is coming out of her joint bank account.
 05/21/2018     1 A [Redacted] TN Primary Purchase   D A D A A A A A Non QM Non QM No
203458595 [Redacted] [Redacted] 6457732 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] NC Primary Purchase   C B A A B B C A Non QM Non QM No
203458595 [Redacted] [Redacted] 6458364 [Redacted] [Redacted] Compliance Compliance State Compliance North Carolina Rate Spread Threshold Test Compliant North Carolina Rate Spread Home Loan: APR on subject loan of 8.83890% or Final Disclosure APR of 8.91500% is in excess of allowable threshold of APOR 4.41% + 1.5%, or 5.91000%.  Compliant Rate Spread Home Loan. Fees reflect loan is a compliant HPML.           2 B [Redacted] NC Primary Purchase   C B A A B B C A Non QM Non QM No
203458595 [Redacted] [Redacted] 6458365 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Final Closing Disclosure provided on [Redacted] disclosed a Total Interest Percentage of 171.834%, and system calculated 169.611%, resulting in a variance 2.223%.           2 B [Redacted] NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203458596 [Redacted] [Redacted] 6472338 [Redacted] [Redacted] Credit Missing Document General Missing Document: Verification of Non-US Citizen Status not provided   The file only included the AL driver's license.   Reviewer Comment (2018-05-21): Received Perm Res. Alien Card
 05/21/2018     1 A [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203458596 [Redacted] [Redacted] 6473364 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203458596 [Redacted] [Redacted] 6474662 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The Termite Bond Transfer $160.00 was not disclosed on the borrower's closing disclosure. TRID non compliant. Seller pad fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $21,024.00, while closing CD sellers fees total $21,184.00.           2 B [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM Yes
203458596 [Redacted] [Redacted] 6516066 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 46.54429% exceeds Guideline total debt ratio of 45.00000%. DTI variance due to income calculation. Lender used 2 year avg for schedule C income but system used 1 year average  due to in income declining. Lender used $2,187.50 and system calculated $2,032.50. Minimum payment shock Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203458596 [Redacted] [Redacted] 6516354 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI Exceeds 45% due to income calculation variance. Lender used 2 year avg for schedule C income but system used 1 year average due to in income declining. Lender used $2,187.50 and system calculated $2,032.50.   Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
 05/20/2018     1 A [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203458596 [Redacted] [Redacted] 6553764 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Sole Proprietor within 10 days of closing   Reviewer Comment (2018-05-20): Received dated 4/27/18
 05/20/2018     1 A [Redacted] AL Primary Purchase   C B C B C B C A Non QM Non QM No
203458596 [Redacted] [Redacted] 6553844 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI   Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
 05/20/2018     1 A [Redacted] AL Primary Purchase Lender to provide updated ATR/QM status C B C B C B C A Non QM Non QM Yes
203458597 [Redacted] [Redacted] 6450774 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] OR Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203458601 [Redacted] [Redacted] 6455986 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203458601 [Redacted] [Redacted] 6456576 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not provided   Reviewer Comment (2018-05-18): Evidence of borrower's consent has been provided.
 05/18/2018     1 A [Redacted] FL Primary Purchase No Defined Cure C B A A B B C A Non QM Non QM No
203458601 [Redacted] [Redacted] 6500223 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller CD is showing the closing costs at $19,275; whereas the Borrower Final CD is showing the Seller Closing Costs at $17,377.           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203458602 [Redacted] [Redacted] 6453492 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203458602 [Redacted] [Redacted] 6453845 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD fees total $17,024.40, while closing CD seller's fees total $16,954.00.           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203458603 [Redacted] [Redacted] 6451884 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 45.48229% exceeds Guideline total debt ratio of 45.00000%. DTI over 45% Front end DTI < 20%

Credit History in good condition		 Reviewer Comment (2018-05-18): Client has elected to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Low front end DTI, credit history.
     05/18/2018 2 B [Redacted] AZ Second Home Purchase   C B C B C A C A Non QM Non QM No
203458603 [Redacted] [Redacted] 6452034 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] AZ Second Home Purchase   C B C B C A C A Non QM Non QM No
203458603 [Redacted] [Redacted] 6454793 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $715.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506) Cost to cure $250.00 provided to Borrower at closing.       05/11/2018   1 A [Redacted] AZ Second Home Purchase Final CD evidences Cure C B C B C A C A Non QM Non QM Yes
203458603 [Redacted] [Redacted] 6454960 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - ATR Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. DTI over 45%   Reviewer Comment (2018-05-18): Client has elected to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Low front end DTI, credit history.
 05/18/2018     1 A [Redacted] AZ Second Home Purchase Lender to provide updated ATR/QM status C B C B C A C A Non QM Non QM Yes
203458603 [Redacted] [Redacted] 6454961 [Redacted] [Redacted] Compliance Compliance Federal Compliance General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI over 45%   Reviewer Comment (2018-05-18): Client has elected to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Low front end DTI, credit history.
 05/18/2018     1 A [Redacted] AZ Second Home Purchase   C B C B C A C A Non QM Non QM No
203458604 [Redacted] [Redacted] 6486009 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Fee Terminology TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on xx/xx/xxxx did not use the same fee terminology as the Loan Estimate. (Final/xx/xx/xxxx) Loan Estimate reflects Notary and Wire fee however, Final CD reflects same fees as  Tie-In and Processing fee.           2 B [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203458604 [Redacted] [Redacted] 6486010 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final Closing Disclosure does not reflects number of months collected for property taxes paid by seller.           2 B [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203458604 [Redacted] [Redacted] 6486054 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] AZ Primary Purchase   C B A A C B C A Non QM Non QM No
203458604 [Redacted] [Redacted] 6526929 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for Final Inspection Fee of $150.00 was not provided.   Reviewer Comment (2018-05-21): Received Change of Circumstance document
 05/21/2018     1 A [Redacted] AZ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203458604 [Redacted] [Redacted] 6526930 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-05-21): Received Change of Circumstance document
 05/21/2018     1 A [Redacted] AZ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203458606 [Redacted] [Redacted] 6477357 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Loan file does not contain evidence of borrower’s consent to receive electronic disclosures.   Reviewer Comment (2018-05-20): Received E consent dated 3/16/18
 05/20/2018     1 A [Redacted] PA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203458606 [Redacted] [Redacted] 6520892 [Redacted] [Redacted] Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of 90.00000%. LTV does exceed 90% and no exception approval is evident. Borrower on this Bank Statement documentation loan has a disposable income of $5,220.18

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-05-21): Received exception approval for reserves based on credit history, payment shock, and residual income
     05/21/2018 2 B [Redacted] PA Primary Purchase   C B C B B B C A Non QM Non QM No
203458606 [Redacted] [Redacted] 6520898 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of [Redacted]% exceeds Guideline combined loan to value percentage of 90.00000%. CLTV does exceed 90% and no exception approval is evident. Borrower on this Bank Statement documentation loan has a disposable income of $5,220.18

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-05-21): Received exception approval for LTV based on credit history, payment shock, and residual income
     05/21/2018 2 B [Redacted] PA Primary Purchase   C B C B B B C A Non QM Non QM No
203458606 [Redacted] [Redacted] 6520944 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.83 is less than Guideline PITIA months reserves of 12.00. PITIA reserves do not meet 12 months requirement and business assets are not allowed due to missing documentation providing proof that  borrower is 100% owner of business. Exception approval provided with compensating factors based on 7 months reserves vs. 12 months required. Borrower on this Bank Statement documentation loan has a disposable income of $5,220.18

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-05-21): Received exception approval for reserves based on credit history, payment shock, and residual income
     05/21/2018 2 B [Redacted] PA Primary Purchase   C B C B B B C A Non QM Non QM No
203458606 [Redacted] [Redacted] 6520946 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] PA Primary Purchase   C B C B B B C A Non QM Non QM No
203458606 [Redacted] [Redacted] 6566470 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Esign Consent Agreement Timing ESIGN Act - Loan Estimate provided on 03/15/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/03/15/2018) Received E consent dated 3/16/18           2 B [Redacted] PA Primary Purchase No Defined Cure C B C B B B C A Non QM Non QM No
203458607 [Redacted] [Redacted] 6499276 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-18): Disaster declared 01/2/18; appraisal effective 04/10/18
     05/18/2018 2 B [Redacted] CA Primary Purchase   B B B B B B A A Non QM Non QM No
203458607 [Redacted] [Redacted] 6527834 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) The following items were not disclosed on the Borrower CD. Pre-Release $10,000.00, Real Estate Com [Redacted] $4,675.00, Real Estate Com [Redacted] $28,050.00, TC Fee $395.00.           2 B [Redacted] CA Primary Purchase   B B B B B B A A Non QM Non QM Yes
203458609 [Redacted] [Redacted] 6443141 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Investment Purchase   C A A A     C A     No
203458610 [Redacted] [Redacted] 6483927 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C B A A B B C A N/A N/A No
203458610 [Redacted] [Redacted] 6484041 [Redacted] [Redacted] Compliance Compliance Federal Compliance Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone Loan originated post [Redacted], the subject property is in a flood zone, flood insurance is not escrowed. Per CD, the flood wasn't escrowed.  Property is condominium and Flood insurance is part of the HOA dues.   Reviewer Comment (2018-05-17): Erroneous included in Condo / HOA
     05/17/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Other   C B A A B B C A N/A N/A No
203458611 [Redacted] [Redacted] 6457211 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203458611 [Redacted] [Redacted] 6457232 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $14,951.00 while closing CD seller's fees total $18,731.72. Seller paid property taxes are on the Final CD.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203458611 [Redacted] [Redacted] 6543434 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Total Interest Percentage TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/xx/xx/xxxx) Disclosure reflects TIP of (143.407%) but calculated TIP is (141.153%).  Used Index Value = (2.676%) per Lock Confirmation document in file.           2 B [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203458612 [Redacted] [Redacted] 6448111 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] IL Primary Purchase   C B A A C B C A Non QM Non QM No
203458612 [Redacted] [Redacted] 6448527 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $3.00   Reviewer Comment (2018-05-18): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/18/2018     1 A [Redacted] IL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203458612 [Redacted] [Redacted] 6448528 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) $18,703.89 > $17,928.89           2 B [Redacted] IL Primary Purchase   C B A A C B C A Non QM Non QM Yes
203458612 [Redacted] [Redacted] 6536586 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77223) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-18): Rec'd attestation letter that fee was paid to borrower's chosen provider and not subject to 0% tolerance testing.
 05/18/2018     1 A [Redacted] IL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203458613 [Redacted] [Redacted] 6470040 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM No
203458613 [Redacted] [Redacted] 6471181 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $64,447.00, while closing CD seller's fees total $63,112.00.           2 B [Redacted] CA Primary Purchase   C B A A B B C A Non QM Non QM Yes
203458613 [Redacted] [Redacted] 6471182 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103) Sufficient or excess cure was provided to the borrower at Closing.       05/14/2018   1 A [Redacted] CA Primary Purchase Final CD evidences Cure C B A A B B C A Non QM Non QM Yes
203458615 [Redacted] [Redacted] 6472546 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] TX Primary Purchase   C B A A B B C A Non QM Non QM No
203458615 [Redacted] [Redacted] 6474654 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Seller paid fees on consumer's final CD total $300. Seller CD total ($290.00).  Survey Credit -$490.00 and Settlement Fee $200.00.           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203458616 [Redacted] [Redacted] 6474704 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $25,301.50, while closing CD seller's fees total $25,288.00.           2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203458616 [Redacted] [Redacted] 6474713 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458616 [Redacted] [Redacted] 6518296 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. Lender exception has been cited. Self employed for 14 years.

Housing payment deceasing 9%.		 Reviewer Comment (2018-05-18): Credit Risk Summary & Exception approval p249
     05/18/2018 2 B [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458616 [Redacted] [Redacted] 6518692 [Redacted] [Redacted] Credit Assets Document Error Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  $14,756.59 is less than Cash From Borrower $103,376.89. Missing document in order to verify the source the large deposit made on 4/13/18 into [REDACTED] account #xxxx for $115,000.   Reviewer Comment (2018-05-22): Received Copy of Deposited Distribution Check, Memo Shows Distribution -


Reviewer Comment (2018-05-20): Received Letter from borrower that the $115,000 was from his Company [REDACETD], missing evidence this is truly a distribution check and not a loan
 05/22/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458616 [Redacted] [Redacted] 6553389 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 53.30942% exceeds Guideline total debt ratio of 45.00000%. DTI for guideline is 45% and the lender DTI is 45.807%.   Exception has been cited.   Compensating Factors are Low payment shock and Stable employment history of 14 years in the same line of work.   Reviewer Comment (2018-05-22): Rental income on previous residence -Wash
 05/22/2018     1 A [Redacted] FL Primary Purchase   C B C B B B C A Non QM Non QM No
203458617 [Redacted] [Redacted] 6449631 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CO Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203458618 [Redacted] [Redacted] 6449280 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM No
203458618 [Redacted] [Redacted] 6449740 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $397,107.75 while closing CD seller's fees total $803.50.           2 B [Redacted] FL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203458619 [Redacted] [Redacted] 6542153 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 3.04 is less than Guideline PITIA months reserves of 6.00. 3.04 months < 6 months Portfolio Select.  Lender's 2 months calculation < 6 months.   Lender's Exception Approval in file.  Compensating factors: 26.94% DTI and -6.6% Payment Shock xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-05-17): Lender's Exception Approval in file.  Compensating factors: 26.94% DTI and -6.6% Payment Shock
     05/17/2018 2 B [Redacted] FL Primary Purchase   C B C B A A A A Non QM Non QM No
203458620 [Redacted] [Redacted] 6494741 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   C B C B     C A     No
203458620 [Redacted] [Redacted] 6540507 [Redacted] [Redacted] Credit Assets Asset Documentation Asset documentation is missing from the file and required per guidelines. Document: Asset Documentation Missing bank statements/assets and verification of $9837.84 (6 months reserves) Credit score, credit history, LTV Reviewer Comment (2018-05-18): Rec'd exception for reserve requirements not met.


Buyer Comment (2018-05-18): Note: Credit Exception was already in file; but re-uploaded
     05/18/2018 2 B [Redacted] CA Investment Refinance - Cash-out - Other   C B C B     C A     No
203458621 [Redacted] [Redacted] 6456892 [Redacted] [Redacted] Credit Guideline Guideline Issue Ineligible property type. Single Family Detached Property does not meet minimum 1200 square foot required for single family residence per guidelines. Credit score, LTV, credit history Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C B C B     C A     No
203458621 [Redacted] [Redacted] 6459691 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C B C B     C A     No
203458621 [Redacted] [Redacted] 6537918 [Redacted] [Redacted] Credit Assets Asset Documentation Asset documentation is missing from the file and required per guidelines. Document: Asset Documentation Missing Asset statements and 6 months reserves Credit score, LTV, credit history Reviewer Comment (2018-05-18): Rec'd exception for reserve requirements not met


Buyer Comment (2018-05-18): Note: CRE was already in file; re-uploaded
     05/18/2018 2 B [Redacted] CA Investment Refinance - Cash-out - Debt Consolidation   C B C B     C A     No
203458622 [Redacted] [Redacted] 6482876 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203458622 [Redacted] [Redacted] 6542834 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing:   23 months < 24 months business statements Portfolio Select Business Bank Statement program.  Missing [REDACTED] #xxxx July 2016 statement 38.5% DTI on this Alt documentation loan

[Redacted] LTV		 Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] GA Primary Purchase   C B C B A A C A Non QM Non QM No
203458623 [Redacted] [Redacted] 6464257 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller CD fees total $17,000, while closing CD seller's fees total $16,699.50.           2 B [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM Yes
203458623 [Redacted] [Redacted] 6464259 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.   Reviewer Comment (2018-05-21): received proof of delivery
 05/21/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203458623 [Redacted] [Redacted] 6464261 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. (Interim/xx/xx/xxxx) Loan Estimate provided on 04/20/2018 not received by borrower at least four (4) business days prior to closing   Reviewer Comment (2018-05-21): received proof of delivery
 05/21/2018     1 A [Redacted] TX Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203458623 [Redacted] [Redacted] 6464312 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203458624 [Redacted] [Redacted] 6520908 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203458625 [Redacted] [Redacted] 6485152 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] AL Primary Purchase   C B C B B B C A Non QM Non QM No
203458625 [Redacted] [Redacted] 6486137 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $44,421.25 while closing CD seller's fees total $41,702.50. Property taxes paid before closing on seller CD.           2 B [Redacted] AL Primary Purchase   C B C B B B C A Non QM Non QM Yes
203458625 [Redacted] [Redacted] 6524031 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 49.15848% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 312, DTI   Compensating Factors: 1)Decreasing housing payment   2)Residual income,   This DTI is a result of adding payment for disputed charge off account for which payment arrangements have been made and are company related and documented. Guideline variance approved by lender at time of origination. Reviewer Comment (2018-05-18): Approved Exception for DTI based on residual income and housing payment decreasing
     05/18/2018 2 B [Redacted] AL Primary Purchase   C B C B B B C A Non QM Non QM No
203458625 [Redacted] [Redacted] 6547099 [Redacted] [Redacted] Credit Missing Document General Missing Document: Desk Review not provided   Guidelines require an additional review product Guideline variance approved by lender at time of origination. Reviewer Comment (2018-05-18): Exception approval for not requiring an additional appraisal review product based on residual income and housing payment decrease
     05/18/2018 2 B [Redacted] AL Primary Purchase   C B C B B B C A Non QM Non QM No
203458626 [Redacted] [Redacted] 6479699 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] NV Primary Refinance - Cash-out - Debt Consolidation   C A A A A A C A Non QM Non QM No
203458627 [Redacted] [Redacted] 6479593 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] OH Primary Purchase   C B A A B B C A Non QM Non QM No
203458627 [Redacted] [Redacted] 6480158 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non compliant. Seller pad fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $17,189.50, while closing CD sellers fees total $17,190.00.           2 B [Redacted] OH Primary Purchase   C B A A B B C A Non QM Non QM Yes
203458628 [Redacted] [Redacted] 6482013 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] GA Primary Purchase   C B A A C B C A Non QM Non QM No
203458628 [Redacted] [Redacted] 6482861 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $20.00 + $50.00 + $75.00. Also the three HOA fees that appear in Sec C of Final CD instead of Sec H.   Reviewer Comment (2018-05-21): Rec'd LOE, corrected CD and evidence of emailing.
   05/21/2018   2 B [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203458628 [Redacted] [Redacted] 6482862 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Certification Fee.  Fee Amount of $195.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77121) 3 HOA fees appear in Sec C of Final CD instead of Sec H resulting in finance charge exceptions.   Reviewer Comment (2018-05-21): Rec'd LOE, corrected CD and evidence of emailing.
   05/21/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203458628 [Redacted] [Redacted] 6482863 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Dues.  Fee Amount of $741.37 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77122) 3 HOA fees appear in Sec C of Final CD instead of Sec H resulting in finance charge exceptions.   Reviewer Comment (2018-05-21): Rec'd LOE, corrected CD and evidence of emailing.
   05/21/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203458628 [Redacted] [Redacted] 6482864 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Initiation Fees.  Fee Amount of $1,000.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77123) 3 HOA fees appear in Sec C of Final CD instead of Sec H resulting in finance charge exceptions.   Reviewer Comment (2018-05-21): Rec'd LOE, corrected CD and evidence of emailing.
   05/21/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203458628 [Redacted] [Redacted] 6482865 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $20.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77209) $20.00   Reviewer Comment (2018-05-21): Rec'd LOE, corrected CD and evidence of emailing.
   05/21/2018   2 B [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203458628 [Redacted] [Redacted] 6552879 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID non-compliant: Fees were not reflected in the correct section of the disclosure.   HOA Certification Fee, HOA dues and HOA initiation Fees shown in Section C should be in Section H.   Reviewer Comment (2018-05-21): Rec'd LOE, corrected CD and evidence of emailing.
 05/21/2018     1 A [Redacted] GA Primary Purchase Good Faith Redisclosure C B A A C B C A Non QM Non QM Yes
203458628 [Redacted] [Redacted] 6554036 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7724) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-21): Received Attestation letter
 05/21/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203458628 [Redacted] [Redacted] 6554038 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7728) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-21): Received Attestation letter
 05/21/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203458631 [Redacted] [Redacted] 6493865 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] GA Primary Purchase   C A A A A A C A Non QM Non QM No
203458631 [Redacted] [Redacted] 6555099 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $800.00 exceeds tolerance of $799.96.  Sufficient or excess cure was provided to the borrower at Closing. (7200)         05/18/2018   1 A [Redacted] GA Primary Purchase Final CD evidences Cure C A A A A A C A Non QM Non QM Yes
203458632 [Redacted] [Redacted] 6453287 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C A A A C A C A Non QM Non QM No
203458632 [Redacted] [Redacted] 6552622 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $75.00 + $9.00   Reviewer Comment (2018-05-21): Received attestation


Reviewer Comment (2018-05-21): $9.00
 05/21/2018     1 A [Redacted] FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A C A Non QM Non QM Yes
203458632 [Redacted] [Redacted] 6552624 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77173) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-21): Received Attestation letter
 05/21/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203458632 [Redacted] [Redacted] 6552626 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-21): Received attestation


Reviewer Comment (2018-05-21): Nothing received to clear this exception
 05/21/2018     1 A [Redacted] FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A C A Non QM Non QM Yes
203458633 [Redacted] [Redacted] 6449755 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Investment Refinance - Rate/Term   C A A A     C A     No
203458634 [Redacted] [Redacted] 6466992 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Investment Purchase   C A A A     C A     No
203458635 [Redacted] [Redacted] 6457320 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] MN Primary Purchase   C B A A C B C A Non QM Non QM No
203458635 [Redacted] [Redacted] 6457978 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 10.37870% or Final Disclosure APR of 10.48500% is in excess of allowable threshold of USTreasury 3.0500% + 3%, or 6.05000%.  Compliant Subprime Loan. Verified           2 B [Redacted] MN Primary Purchase   C B A A C B C A Non QM Non QM No
203458635 [Redacted] [Redacted] 6457980 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xx/xx/xxxx) Confirmed the date on initial CD   Reviewer Comment (2018-05-17): Received evidence that borrower received disclosure within timing requirements.
 05/17/2018     1 A [Redacted] MN Primary Purchase No Defined Cure C B A A C B C A Non QM Non QM No
203458635 [Redacted] [Redacted] 6497610 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD is showing the closing costs of $10,792.65; whereas the Borrower Final CD is showing the Seller closing costs of $670.15.           2 B [Redacted] MN Primary Purchase   C B A A C B C A Non QM Non QM Yes
203458636 [Redacted] [Redacted] 6469042 [Redacted] [Redacted] Compliance Loan Package Documentation Application / Processing Missing Document: Missing Lender's Initial 1003               2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203458636 [Redacted] [Redacted] 6473520 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203458636 [Redacted] [Redacted] 6473636 [Redacted] [Redacted] Credit Credit Credit Documentation No evidence of fraud report in file Credit Report: Original // Borrower: [REDACTED]     Reviewer Comment (2018-05-19): Received fraud report
 05/19/2018     1 A [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203458636 [Redacted] [Redacted] 6474468 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller CD contains additional fee for Home Warranty Fee of $565.           2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM Yes
203458636 [Redacted] [Redacted] 6474486 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.42194% exceeds Guideline total debt ratio of 45.00000%. Credit Risk Summary & Exception Approval in file, page 286, DTI > 45% Compensating Factors: 1)  DTI front end @ 30%       2) Stable employment history 10 years. Borrower also has 2 rental homes and no income  verified from them. Borrower has employment stability for 10 years in the field Reviewer Comment (2018-05-18): Exception approval for DTI based on front end being less than 30% and job stability of 10 years
     05/18/2018 2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203458636 [Redacted] [Redacted] 6517412 [Redacted] [Redacted] Compliance Compliance Federal Compliance TIL Higher Priced Mortgage Loan Safe Harbor TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Appraisal originally in the name of [REDACTED]. Transfer letter in file to [REDACTED].           2 B [Redacted] OH Primary Purchase   C B C B B B C A Non QM Non QM No
203458637 [Redacted] [Redacted] 6530564 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CO Investment Refinance - Cash-out - Debt Consolidation   C A A A     C A     No
203458638 [Redacted] [Redacted] 6471803 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Primary Purchase   C B A A B B C A Safe Harbor QM Safe Harbor QM No
203458638 [Redacted] [Redacted] 6472439 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Closing Date TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Closing Date that did not match the actual date of consummation. (Final/xx/xx/xxxx) CD reflects the closing date as xx/xx/xxxx, when documents were signed by the borrower on xx/xx/xxxx.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Safe Harbor QM Safe Harbor QM Yes
203458639 [Redacted] [Redacted] 6479491 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM No
203458639 [Redacted] [Redacted] 6479904 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total  $5,559.48 while closing CD seller's fees total $12,104.30. Different real estate commission paid on Final CD.           2 B [Redacted] TX Primary Purchase   C B A A C B C A Non QM Non QM Yes
203458639 [Redacted] [Redacted] 6511604 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) TX Guaranty fee not listed on LE   Reviewer Comment (2018-05-21): Received Attestation letter
 05/21/2018     1 A [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203458639 [Redacted] [Redacted] 6511606 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee.  Fee Amount of $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77222) TX Guaranty fee not listed on LE   Reviewer Comment (2018-05-21): Received Attestation letter
 05/21/2018     1 A [Redacted] TX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203458640 [Redacted] [Redacted] 6450210 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] IL Primary Refinance - Rate/Term   C A A A A A C A Non QM Non QM No
203458641 [Redacted] [Redacted] 6466765 [Redacted] [Redacted] Compliance Compliance Federal Compliance ECOA Appraisal - Appraisal Provided Prior to Date Performed ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Secondary/xx/xx/xxxx) On site inspection conducted 3/23. Both AVM and appraisal provided to the borrower on 3/29. Final appraisal signed and dated 3/3018.           2 B [Redacted] FL Investment Refinance - Cash-out - Home Improvement   C B C B B B A A N/A N/A No
203458641 [Redacted] [Redacted] 6514574 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of $xxx,xxx.xx is greater than Guideline total cash-out of $200,000.00.   22% DTI on this Full documentation loan

Borrower on this Full documentation loan has a disposable income of $53,000		 Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] FL Investment Refinance - Cash-out - Home Improvement   C B C B B B A A N/A N/A No
203471038 [Redacted] [Redacted] 6491494 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Fraud Report not provided       Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] FL Second Home Purchase   C A C A A A C A Non QM Non QM No
203471038 [Redacted] [Redacted] 6491879 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Second Home Purchase   C A C A A A C A Non QM Non QM No
203471038 [Redacted] [Redacted] 6491887 [Redacted] [Redacted] Credit Credit Credit Documentation No evidence of fraud report in file Credit Report: Original // Borrower: [REDACTED], Credit Report: Original // Borrower: [REDACTED]     Reviewer Comment (2018-05-20): Received Fraud Report
 05/20/2018     1 A [Redacted] FL Second Home Purchase   C A C A A A C A Non QM Non QM No
203471038 [Redacted] [Redacted] 6536964 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] Third Party Verification Self-employed borrower.  Missing independent verification of the business verified through a disinterested third party (CPA, regulatory agency, licensing bureau or verification of a phone and address listing using the internet) within 10 calendar days of closing.   Reviewer Comment (2018-05-20): received email verifying Accountant wrote letter, within 10 days of closing


Reviewer Comment (2018-05-20): Received letter from accountant dated 4/3/18 > 10 days of closing
 05/20/2018     1 A [Redacted] FL Second Home Purchase   C A C A A A C A Non QM Non QM No
203471038 [Redacted] [Redacted] 6556198 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Missing initial 1003 for the co-borrower.   Reviewer Comment (2018-05-21): Co-borrower was added after borrower's initial application
 05/21/2018     1 A [Redacted] FL Second Home Purchase   C A C A A A C A Non QM Non QM No
203471040 [Redacted] [Redacted] 6512279 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) The field was left blank.  No tolerance cure needed.           2 B [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203471040 [Redacted] [Redacted] 6512280 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) The property taxes were shown on page one on the seller's CD but on page two on the borrower's CD.  No monetary difference.           2 B [Redacted] WI Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203471040 [Redacted] [Redacted] 6512486 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] WI Primary Purchase   C B A A B B C A Non QM Non QM No
203471041 [Redacted] [Redacted] 6494003 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-18): Appraisal effective date 3/2/18
     05/18/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B B B B B C A Non QM Non QM No
203471041 [Redacted] [Redacted] 6494012 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B B B B B C A Non QM Non QM No
203471041 [Redacted] [Redacted] 6497016 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Homeowner's Insurance Premium Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/xx/xx/xxxx) Final Closing Disclosure disclosed homeowner's insurance is 110.45 monthly x 12 = $1,323.00 and lender collected 12 months of $1,219.84 which is the balance due verified on hazard policy.           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B B B B C A Non QM Non QM Yes
203471041 [Redacted] [Redacted] 6497017 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final Closing Disclosure did not disclose number of months for Property Tax under Prepaids           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B B B B C A Non QM Non QM Yes
203471041 [Redacted] [Redacted] 6535552 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7552) Cure in the amount of 150 was provided to the borrower on the final CD       05/17/2018   1 A [Redacted] CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B B B B B C A Non QM Non QM Yes
203471043 [Redacted] [Redacted] 6503282 [Redacted] [Redacted] Compliance Compliance State Compliance (State HPML) Minnesota Subprime (APR Exceeds Subprime Threshold) Minnesota Subprime Loan: APR on subject loan of 6.39050% or Final Disclosure APR of 6.39700% is in excess of allowable threshold of USTreasury 3.0500% + 3%, or 6.05000%.  Compliant Subprime Loan.             2 B [Redacted] MN Primary Purchase   C B C A B B C A Non QM Non QM No
203471043 [Redacted] [Redacted] 6503303 [Redacted] [Redacted] Compliance Compliance Federal Compliance Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [Redacted]  Most Recent Tax Return End Date 12/31/2016, Tax Return Due Date 03/15/2018. ([REDACTED]/S-Corp) Extension for 2017 Personal Tax Returns only in file.  Profit and loss statement for 2017 in file for business.   Reviewer Comment (2018-05-18): Extension in file
       2 B [Redacted] MN Primary Purchase   C B C A B B C A Non QM Non QM No
203471043 [Redacted] [Redacted] 6503320 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] MN Primary Purchase   C B C A B B C A Non QM Non QM No
203471043 [Redacted] [Redacted] 6537221 [Redacted] [Redacted] Credit Assets Asset Documentation Asset Issue:  Gift funds are missing evidence of receipt   Missing evidence funds from sale of motor vehicle received by borrower.   Reviewer Comment (2018-05-20): Received bank statement with Wire in amount of $30,000
 05/20/2018     1 A [Redacted] MN Primary Purchase   C B C A B B C A Non QM Non QM No
203471043 [Redacted] [Redacted] 6555770 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller CD is showing the closing costs at $5,629.53; whereas the borrower final CD is showing the seller closing costs at $3,463.98.    The Property Taxes on the Seller CD is $3,200, but on the borrower final CD it is $3,463.98.           2 B [Redacted] MN Primary Purchase   C B C A B B C A Non QM Non QM Yes
203471044 [Redacted] [Redacted] 6497394 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] IL Primary Purchase   C A A A A A C A Non QM Non QM No
203471045 [Redacted] [Redacted] 6504869 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for $25.00 Zero Percent tolerance.   Reviewer Comment (2018-05-21): Received attestation
 05/21/2018     1 A [Redacted] UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Non QM Non QM Yes
203471045 [Redacted] [Redacted] 6504870 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses $2,237.00 in total closing costs paid by Seller at closing.  Consumer's CD does not disclose closing costs paid by Seller.           2 B [Redacted] UT Primary Purchase   C B A A C B C A Non QM Non QM Yes
203471045 [Redacted] [Redacted] 6504871 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7724) $25.00 Title - CPL Fee not disclosed on Loan Estimate dated 3/20/2018 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $25.00  tolerance.   Reviewer Comment (2018-05-21): Received attestation
 05/21/2018     1 A [Redacted] UT Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Non QM Non QM Yes
203471045 [Redacted] [Redacted] 6504887 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] UT Primary Purchase   C B A A C B C A Non QM Non QM No
203471046 [Redacted] [Redacted] 6554429 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] OH Primary Purchase   C A A A A A C A Non QM Non QM No
203471047 [Redacted] [Redacted] 6504848 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing Missing Document: Flood Certificate not provided       Reviewer Comment (2018-05-18): Flood cert has been provided.
 05/18/2018     1 A [Redacted] GA Investment Purchase   C B C B A A C A N/A N/A No
203471047 [Redacted] [Redacted] 6509270 [Redacted] [Redacted] Credit Assets Asset Eligibility Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines   3.3% seller concessions > 2% maximum allowed per guidelines. Borrower has job stability for 11.5 years as a [Redacted].

40.43% DTI on this (Documentation Type) documentation loan < 50% guideline max - 9.57% below program guideline maximum		 Reviewer Comment (2018-05-18): Client has elected to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Low DTI; stable employment history.
     05/18/2018 2 B [Redacted] GA Investment Purchase   C B C B A A C A N/A N/A No
203471047 [Redacted] [Redacted] 6509425 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 10.38 is less than Guideline PITIA months reserves of 12.00.   Borrower has job stability for 11.5 years as a [Redacted].

40.43% DTI on this (Documentation Type) documentation loan < 50% guideline max - 9.57% below program guideline maximum		 Reviewer Comment (2018-05-18): Client has elected to waive.  Credit Risk Summary & Exception Approval provided.  Compensating factors:  Low DTI; stable employment history.
     05/18/2018 2 B [Redacted] GA Investment Purchase   C B C B A A C A N/A N/A No
203471047 [Redacted] [Redacted] 6509432 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] GA Investment Purchase   C B C B A A C A N/A N/A No
203471050 [Redacted] [Redacted] 6495011 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) $50.00 appraisal + $231.00 tax stamps + $125.00 title search ($50.00 already shown on CD)   Reviewer Comment (2018-05-21): Received LE with COC
 05/21/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Non QM Non QM Yes
203471050 [Redacted] [Redacted] 6495015 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,706.00 exceeds tolerance of $2,475.00.  Insufficient or no cure was provided to the borrower. (8304) $231 change   Reviewer Comment (2018-05-21): Received LE with COC


Reviewer Comment (2018-05-21): Nothing received to clear this item, only received early CD.
 05/21/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Non QM Non QM Yes
203471050 [Redacted] [Redacted] 6555646 [Redacted] [Redacted] Credit Credit Credit Eligibility Guideline Issue:  Foreclosure timeline outside of credit guidelines   Previous foreclosure less than 2 yrs prior to Close vs 2 yrs minimum requirement per guidelines.   Reviewer Comment (2018-05-20): Last Activity date on [Redacted]


Buyer Comment (2018-05-19): Last activity on this foreclosure per credit report was 11/13 which outside of 24 months.
 05/20/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other   C A C A C A A A Non QM Non QM No
203471050 [Redacted] [Redacted] 6555753 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Even though borrower went to other company these fees are paid to somewhere additional and therefore without proof the chosen provider made the borrower get these additional fees from somewhere they are included in tolerance testing.   Reviewer Comment (2018-05-20): Received Attestation Letter
 05/20/2018     1 A [Redacted] FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Non QM Non QM Yes
203471050 [Redacted] [Redacted] 6573390 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $515.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         05/21/2018   1 A [Redacted] FL Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Non QM Non QM Yes
203471051 [Redacted] [Redacted] 6503743 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] NJ Primary Purchase   C B A A B B C A Non QM Non QM No
203471051 [Redacted] [Redacted] 6503856 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $17,371.00 while closing CD seller's fees total $17,971.00.  Section C fees listed on Borrower CD only Attorney $600.00, Wire $70.00.           2 B [Redacted] NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A B B C A Non QM Non QM Yes
203471052 [Redacted] [Redacted] 6491974 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] AL Primary Purchase   C B A A B B C A Non QM Non QM No
203471052 [Redacted] [Redacted] 6554807 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) Seller CD discloses $9.750.00 Real Estate Commission Seller's Broker fee and $9,750.00 Real Estate Commission Buyer's Broker fee paid by Seller at closing that is not disclosed on Consumer CD           2 B [Redacted] AL Primary Purchase   C B A A B B C A Non QM Non QM Yes
203471054 [Redacted] [Redacted] 6491356 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order a secondary valuation at the time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C A A A A A C A Non QM Non QM No
203471055 [Redacted] [Redacted] 6559511 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203471057 [Redacted] [Redacted] 6510796 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-18): Appraisal effective date 4/20/18     05/18/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203471057 [Redacted] [Redacted] 6510826 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203471057 [Redacted] [Redacted] 6556177 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Seller CD  discloses a higher $91.00 Recording fee amount paid by Seller at closing vs. $75.00 disclosed on Consumer CD.  Seller CD discloses a $17,743.00 12.3% Withholding and $#75.00 NHD Report fee paid by Seller at closing not disclosed on Consumer CD           2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM Yes
203471057 [Redacted] [Redacted] 6556683 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of 4.67 is less than Guideline PITIA months reserves of 6.00. 4.67 months < 6 months Portfolio Select Bank Statement program.  Lender's 3 months calculation < 6 months.  Lender's Credit Risk Summary & Exception Approval in file. Compensating factors:  761 Credit Score, 36.93% DTI and Credit History XXX representative FICO score > XXX guideline minimum - XX points above guideline minimum

xx.xx% DTI on this (Documentation Type) documentation loan < xx.xx% guideline max - xx% below program guideline maximum		 Reviewer Comment (2018-05-18): Lender's Credit Risk Summary & Exception Approval in file. Compensating factors:  761 Credit Score, 36.93% DTI and Credit History
     05/18/2018 2 B [Redacted] CA Primary Purchase   C B C B B B C A Non QM Non QM No
203471058 [Redacted] [Redacted] 6558934 [Redacted] [Redacted] Credit Credit Miscellaneous Credit Exception:   Foreign National not eligible for loan program. 29% DTI on this Foreign National documentation loan Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] PA Second Home Purchase   C B C B A A A A Non QM Non QM No
203471059 [Redacted] [Redacted] 6498439 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-29): Received CDA within 10% tolerance
 05/29/2018     1 A [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203471059 [Redacted] [Redacted] 6501196 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Section F Line 4           2 B [Redacted] CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C B B B C A Non QM Non QM Yes
203471059 [Redacted] [Redacted] 6557070 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of $xxx,xxx.xx is greater than Guideline total cash-out of $400,000.00. Max LTV for Cash-Out is 80%, need to reduce to 70% for Cash-Out between $400k-$500k. 17% DTI on this Alt documentation loan

Residual income $18,000 Bank statement loan		 Reviewer Comment (2018-05-20): Received Credit Risk Summary & Exception approval 5/20/18
     05/20/2018 2 B [Redacted] CA Primary Refinance - Cash-out - Other   C B C B B B C A Non QM Non QM No
203471062 [Redacted] [Redacted] 6559042 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/xx/xx/xxxx) Consumer CD discloses a higher $23.250.00 Real Estate Commission Sellers Broker fee amount paid by Seller at closing vs. $11,625.00 amount disclosed on Seller's CD           2 B [Redacted] TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B A A Non QM Non QM Yes
203471063 [Redacted] [Redacted] 6510517 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] TX Primary Refinance - Cash-out - Other   C A A A A A C A Non QM Non QM No
203471064 [Redacted] [Redacted] 6496593 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Investment Refinance - Cash-out - Other   C A A A A A C A N/A N/A No
203471066 [Redacted] [Redacted] 6501402 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure Prepaid Property Tax Months TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on xx/xx/xxxx did not disclose number of months for Property Tax under Prepaids. (Final/xx/xx/xxxx) Final Closing Disclosure did not provide number of months for Property Taxes under Prepaids.           2 B [Redacted] UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B B B A A Non QM Non QM Yes
203471066 [Redacted] [Redacted] 6501404 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,905.00 exceeds tolerance of $1,900.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)         05/15/2018   1 A [Redacted] UT Primary Purchase Final CD evidences Cure C B C B B B A A Non QM Non QM Yes
203471066 [Redacted] [Redacted] 6548607 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Maximum Loan Amount discrepancy. Note loan amount of $x,xxx,xxx.xx is greater than Guideline maximum loan amount of $1,000,000.00. Loan amount > guideline max; Credit Risk Summary & Exception Approval in file, page 279  granted exception approval for Loan Amount with compensating Factors: 1) Payment shock  2) Reserves 3) Residual Income 12.51 months reserves > 9 months guideline minimum Reviewer Comment (2018-05-18): Exception approval for loan amount, LTV bsed on payment shock, reserves and residual income.
     05/18/2018 2 B [Redacted] UT Primary Purchase   C B C B B B A A Non QM Non QM No
203471067 [Redacted] [Redacted] 6490931 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Investment Purchase   C A A A A A C A N/A N/A No
203471068 [Redacted] [Redacted] 6502549 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] GA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
203471068 [Redacted] [Redacted] 6502701 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Appraisal Disclosure - ECOA Timing ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. Earliest disclosure dated [Redacted] application date plus 3)           2 B [Redacted] GA Primary Purchase Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203471068 [Redacted] [Redacted] 6502702 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Servicing Disclosure Timing File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. Earliest disclosure dated 1[Redacted]9 application date plus 3)   Reviewer Comment (2018-05-21): Veteran's Day 11/10/17.
 05/21/2018     1 A [Redacted] GA Primary Purchase Good faith redisclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203471068 [Redacted] [Redacted] 6502703 [Redacted] [Redacted] Compliance Compliance Federal Compliance RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Earliest disclosure dated [Redacted]application date plus 3)           2 B [Redacted] GA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM No
203471068 [Redacted] [Redacted] 6502704 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Home Loan Toolkit Timing Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. Earliest disclosure dated [Redacted] application date plus 3)           2 B [Redacted] GA Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
203471068 [Redacted] [Redacted] 6502705 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/11/15/2017) Earliest Loan Estimate dated [Redacted] application date plus 3)   Reviewer Comment (2018-05-21): Veteran's Day 11/10/17.
 05/21/2018     1 A [Redacted] GA Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
203471068 [Redacted] [Redacted] 6502706 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Service Provider Timing TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. Earliest disclosure dated [Redacted] application date plus 3)           2 B [Redacted] GA Primary Purchase No Defined Cure C B A A C B C A Safe Harbor QM Safe Harbor QM No
203471068 [Redacted] [Redacted] 6502708 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $4,278.20 exceeds tolerance of $4,050.00.  Insufficient or no cure was provided to the borrower. (7325) $4,050.00 Loan Origination fee disclosed on Loan Estimates dated 11/15/2017 &  4/10/2017 and initial Closing Disclosure dated 4/23/2018.  $4,278.00 amount disclosed on final Closing Disclosure dated 4/27/2018.  Change of Circumstance disclosing change in loan amount, sales price, origination fee increased and transfer tax fee increased is dated 4/26/2018 prior to Final Closing Disclosure. Final Closing Disclosure does not disclose a Lender cure credit for $228.00 Zero Percent tolerance.   Reviewer Comment (2018-05-21): Rec'd valid COC
 05/21/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203471068 [Redacted] [Redacted] 6502709 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7727) $150.00 Title - Examination fee not disclosed on Loan Estimate dated 11/15/2017 but disclosed on Final Closing Disclosure.  Valid Change of Circumstance not provided.  Provider for this fee is not same as the provider for other title fees disclosed in Section C on the initial Loan Estimate. Final Closing Disclosure does not reflect a Lender credit for $150.00 Zero Percent tolerance.   Reviewer Comment (2018-05-21): Rec'd valid COC
 05/21/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203471068 [Redacted] [Redacted] 6502710 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,331.90 exceeds tolerance of $1,280.00.  Insufficient or no cure was provided to the borrower. (8304) $1,280.00 Transfer Tax fee disclosed on Loan Estimates dated 11/15/2017 &  4/10/2017 and initial Closing Disclosure dated xx/xx/xxxx.  $1,331.90 amount disclosed on final Closing Disclosure dated xx/xx/xxxx.  Change of Circumstance disclosing change in loan amount, sales price, origination fee increased and transfer tax fee increased is dated 4/26/2018 prior to Final Closing Disclosure. Final Closing Disclosure does not disclose a Lender cure credit for $51.90 Zero Percent tolerance.   Reviewer Comment (2018-05-21): Rec'd valid COC
 05/21/2018     1 A [Redacted] GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203471068 [Redacted] [Redacted] 6502751 [Redacted] [Redacted] Compliance Compliance Federal Compliance Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM. Originator Loan Designation of Higher Priced QM does not match Due Diligence Loan Designation of Safe Harbor QM.   Reviewer Comment (2018-05-23): updated input based on data tape


Buyer Comment (2018-05-19): Please review original data tape
 05/23/2018     1 A [Redacted] GA Primary Purchase Lender to provide updated ATR/QM status C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203471068 [Redacted] [Redacted] 6553559 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Final Closing Disclosure does not disclose a Lender cure credit for $429.90 total Zero Percent tolerance.   Reviewer Comment (2018-05-21): Rec'd valid COC
 05/21/2018     1 A [Redacted] GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203471068 [Redacted] [Redacted] 6553630 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xx/xx/xxxx) Consumer's CD discloses $25.00 Title - Wire fee paid by Seller at closing not disclosed on Seller's CD. Seller CD discloses a $20.00 Release fee paid by Seller at closing not disclosed on Consumer CD.           2 B [Redacted] GA Primary Purchase   C B A A C B C A Safe Harbor QM Safe Harbor QM Yes
203471069 [Redacted] [Redacted] 6503657 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Primary Purchase   C A A A A A C A Non QM Non QM No
203471070 [Redacted] [Redacted] 6503582 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.07183% exceeds Guideline total debt ratio of 45.00000%. 46.49% > 45% Platinum program.  Lender's 47.86% > 45% Lender's Credit Risk Summary & Exception Approval in file.   Compensating factors:  Credit Score, Credit History and additional Income not used. Guideline variance approved by lender at time of origination

Guideline variance approved by lender at time of origination.		 Reviewer Comment (2018-05-18): Lender approval with comp factors.
     05/18/2018 2 B [Redacted] OH Primary Refinance - Cash-out - Home Improvement   C B C B A A A A Non QM Non QM No
203471071 [Redacted] [Redacted] 6510281 [Redacted] [Redacted] Credit Loan Package Documentation Application / Processing FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: WILDFIRES, FLOODING, MUDFLOWS, AND DEBRIS FLOWS
Disaster Declaration Date: [Redacted]		   Property inspected post disaster but pre-FEMA declaration of disaster end date. Reviewer Comment (2018-05-18): Credit Risk Summary & Exception approval 3/1/18
     05/18/2018 2 B [Redacted] CA Primary Purchase   C B B B C B A A Non QM Non QM No
203471071 [Redacted] [Redacted] 6511299 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Esign Consent Agreement Status ESIGN Act – Loan file does not contain evidence of borrower’s consent to receive electronic disclosures. Document not provided   Reviewer Comment (2018-05-20): Received
 05/20/2018     1 A [Redacted] CA Primary Purchase No Defined Cure C B B B C B A A Non QM Non QM No
203471071 [Redacted] [Redacted] 6511301 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure PAD Fee TILA-RESPA Integrated Disclosure – Loan Costs: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Pad fee that was not allocated to a specific cost or service performed. (Final/xx/xx/xxxx) Missing Final CD or post closing CD not containing PAD fee.   Reviewer Comment (2018-05-21): Rec’d LOE, corrected CD and evidence of emailing.
   05/21/2018   2 B [Redacted] CA Primary Purchase Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Pad Refund Check if applicable, and Corrected CD C B B B C B A A Non QM Non QM Yes
203471071 [Redacted] [Redacted] 6511302 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Total Closing costs exceeds legal limit not notated. Lender did not disclose a legal limit overage amount   Reviewer Comment (2018-05-21): Cleared with compliance re-run.
 05/21/2018     1 A [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Non QM Non QM Yes
203471071 [Redacted] [Redacted] 6511303 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure TILA-RESPA Integrated Disclosure:  Seller Closing Disclosure not located in the file. (Final/xx/xx/xxxx) Missing Seller Disclosure.           2 B [Redacted] CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B B C B A A Non QM Non QM Yes
203471071 [Redacted] [Redacted] 6554977 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee.  Fee Amount of $39.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77201) $0 tolerance cure provided to borrower, used same provider as other title services.   Reviewer Comment (2018-05-21): Cleared with compliance re-run.
 05/21/2018     1 A [Redacted] CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B B C B A A Non QM Non QM Yes
203471072 [Redacted] [Redacted] 6509098 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] FL Second Home Purchase   C B C A B B C A Non QM Non QM No
203471072 [Redacted] [Redacted] 6509456 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xx/xx/xxxx) TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.  Seller CD fees total $23,793.40 while Borrower CD seller's fees total $35.50.           2 B [Redacted] FL Second Home Purchase   C B C A B B C A Non QM Non QM Yes
203471072 [Redacted] [Redacted] 6553900 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $4,514.34 exceeds tolerance of $4,128.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Lender provided a cure credit in the amount of 407.79       05/18/2018   1 A [Redacted] FL Second Home Purchase Final CD evidences Cure C B C A B B C A Non QM Non QM Yes
203471072 [Redacted] [Redacted] 6559777 [Redacted] [Redacted] Credit Income / Employment Income Documentation Income Docs Missing: Borrower: [REDACTED] VVOE - Employment Only Missing VVOE for [REDACTED]; required within 10 days of closing.  File is missing all VOE's for primary borrower.   Reviewer Comment (2018-05-21): Received
 05/21/2018     1 A [Redacted] FL Second Home Purchase   C B C A B B C A Non QM Non QM No
203471075 [Redacted] [Redacted] 6500772 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.   Client will order secondary valuation at time of securitization.   Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] MD Primary Purchase   C B C B C A C A Non QM Non QM No
203471075 [Redacted] [Redacted] 6501648 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xx/xx/xxxx) Cure for various 0% tolerance violations $575.00 was not provided.   Reviewer Comment (2018-05-21): Received Attestation letter
 05/21/2018     1 A [Redacted] MD Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C A C A Non QM Non QM Yes
203471075 [Redacted] [Redacted] 6501649 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $275.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-05-21): Received Attestation letter
 05/21/2018     1 A [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203471075 [Redacted] [Redacted] 6501652 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77181) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-05-21): Received Attestation letter
 05/21/2018     1 A [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203471075 [Redacted] [Redacted] 6501653 [Redacted] [Redacted] Compliance Compliance Federal Compliance TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $275.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187) Fee was not disclosed on Loan Estimate.   Reviewer Comment (2018-05-21): Received Attestation letter
 05/21/2018     1 A [Redacted] MD Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A C A Non QM Non QM Yes
203471075 [Redacted] [Redacted] 6549681 [Redacted] [Redacted] Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Requirement: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of 47.40202% exceeds Guideline total debt ratio of 45.00000%. DTI does exceeds 45% but meets exception policy based on compensating factor of Payment shock is 125% or less, reserves are three(3) months greater than published guidelines and borrower has $2500 in residual income. Guideline variance approved by lender at time of origination. Compensating Factors are payment shock, reserve requirement and residual income. Reviewer Comment (2018-05-18): Credit Risk Summary & Exception approval p289
     05/18/2018 2 B [Redacted] MD Primary Purchase   C B C B C A C A Non QM Non QM No
203471077 [Redacted] [Redacted] 6544208 [Redacted] [Redacted] 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. [Redacted]             2 B [Redacted] CA Investment Refinance - Cash-out - Other   C B A A B B C A N/A N/A No
203471077 [Redacted] [Redacted] 6544209 [Redacted] [Redacted] Property Appraisal Reconciliation Value Discrepancy Missing secondary valuation product required for securitization.       Reviewer Comment (2018-05-24): Received CDA within 10% tolerance
 05/24/2018     1 A [Redacted] CA Investment Refinance - Cash-out - Other   C B A A B B C A N/A N/A No