EX-99.3 19 efc24-464_ex993s4.htm SCHEDULE 4 - EXCEPTION REPORT
 

GSMBS 2024-RPL2 - ABS15G

Exhibit 99(3)(s)(4)

 

Customer Loan ID Loan Exception ID GS Loan ID Exception ID Exception Category Exception Subcategory Exception Description Exception Comments Seller Response Reviewer Response Exception Status Initial Exception Grade Final Exception Grade Initial DBRS Exception Grade Final DBRS Exception Grade Initial Moodys Exception Grade Final Moodys Exception Grade Initial Fitch Exception Grade Final Fitch Exception Grade Initial Kroll Exception Grade Final Kroll Exception Grade Initial S&P Exception Grade Final S&P Exception Grade Subject to Predatory Lending HUD Category
XXXX 01636ce4-cb36-4631-adb5-dc1373939b8a XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX d4a64453-f610-e411-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application Final 1003 in file does not have an acknowledgement date and cannot be deemed Final.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX dc60aec6-2685-401c-89d8-2dae9f4acbb4 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 6% > 2% maximum late fee allowed by the State of New York.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX c76bf847-595b-4641-9dc5-acf4b4cd5666 XXXX 1650 Compliance   Missing copy of title       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 8e06bab1-cb7d-4d45-be65-cd680cc7cf26 XXXX 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan: Terms of Prepayment per the Note is 6 months interest > 20% of the original loan balance for a five year term.  The 2 year ARM contains an interest rate of 10.00% and a loan amount of $XXX,XXX.XX.  If the rate of interest on a mortgage loan exceeds 6% per annum, loans may be prepaid at any time, in whole or in part.  In such loans, no prepayment penalty may be imposed on or after one year from the date the loan is made.   Within the first year after such a loan closes, a prepayment penalty may be imposed only if the loan documents expressly provide for such a penalty.  XXXX Gen. Oblig. Law § 5-501(3)(b).  In addition, for first lien ARM loans of less than $XXX,XXX.XX, a prepayment penalty may be charged under the foregoing provision only if: (i) the interest rate is fixed for at least 5 years; (ii) the contract provides for the penalty; and (iii) the mortgage banker, broker, and/or exempt organization comply with the Banking Regulations requiring that prepayment penalties be disclosed in advertisements, applications, and commitments.  XXXX Comp. Codes. R. & Regs. tit. 3, § 82.7.  For ARMs of $XXX,XXX.XX or greater, the general restrictions above in XXXX Gen. Oblig. Law § 5-501(3)(b) would apply.        Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 20542d5d-2714-e411-8daf-d8d385e1d166 XXXX 50 Compliance   FACTA - Notice to Home Loan Applicant & Consumer Score Disclosure not provided       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 21542d5d-2714-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6ab83020-2514-e411-8daf-d8d385e1d166 XXXX 1925 Compliance   Failure to obtain Initial Application (1003)       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a4560256-2614-e411-8daf-d8d385e1d166 XXXX 2917 Compliance   FHA – Missing FHA Connection Case Number Assigned Date       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 1f542d5d-2714-e411-8daf-d8d385e1d166 XXXX 48 Compliance   Missing Affiliated Business Disclosure       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2521db07-2514-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2037ba31-2514-e411-8daf-d8d385e1d166 XXXX 2149 Compliance   Missing Final Application (1003) *       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1c542d5d-2714-e411-8daf-d8d385e1d166 XXXX 1666 Compliance   Missing Good Faith Estimate       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1d542d5d-2714-e411-8daf-d8d385e1d166 XXXX 1733 Compliance   Missing Initial Truth in Lending (Lender Disclosure)       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 64a19b50-2514-e411-8daf-d8d385e1d166 XXXX 2174 Compliance   Missing Rate Lock Agreement       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 1e542d5d-2714-e411-8daf-d8d385e1d166 XXXX 1674 Compliance   Missing Servicing Disclosure Statement       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX dace4fbf-506b-e411-8daf-d8d385e1d166 XXXX 50 Compliance   FACTA - Notice to Home Loan Applicant & Consumer Score Disclosure not provided       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a945a64e-c76d-e411-8daf-d8d385e1d166 XXXX 1925 Compliance   Failure to obtain Initial Application (1003)       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 54434e64-c76d-e411-8daf-d8d385e1d166 XXXX 2917 Compliance   FHA – Missing FHA Connection Case Number Assigned Date       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 24a365fe-c56d-e411-8daf-d8d385e1d166 XXXX 48 Compliance   Missing Affiliated Business Disclosure       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 195c6e7b-c76d-e411-8daf-d8d385e1d166 XXXX 2026 Compliance   Missing evidence the List of Service Providers (Sch. A to GFE) was provided to borrower       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d9ce4fbf-506b-e411-8daf-d8d385e1d166 XXXX 1666 Compliance   Missing Good Faith Estimate       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2cd35222-c76d-e411-8daf-d8d385e1d166 XXXX 1916 Compliance   Missing Initial TIL – MDIA violation (Lender Disclosure)       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX f0005f36-c76d-e411-8daf-d8d385e1d166 XXXX 2174 Compliance   Missing Rate Lock Agreement       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 23a365fe-c56d-e411-8daf-d8d385e1d166 XXXX 1674 Compliance   Missing Servicing Disclosure Statement       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8bd80c70-1896-4240-9bd8-40bc556d7e95 XXXX 1587 Compliance   APR Under Disclosed APR Under Disclosed by 0.249% due to Lender not including seller paid origination fees of $X,XXX.XX, bank attorney fee of $XXX and title service fees of $XX. A Seller concession was listed on the HUD but cannot be used to offset the under-disclosure due to a missing Purchase Agreement.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e314a27b-5a1e-e411-8daf-d8d385e1d166 XXXX 50 Compliance   FACTA - Notice to Home Loan Applicant & Consumer Score Disclosure not provided       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 56a8d7d3-b4d7-49a2-a001-ae967c0607bb XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XX,XXX.XX due to Lender not including seller paid origination fees of $X,XXX.XX, bank attorney fee of $XXX and title service fees of $XX. A Seller concession was listed on the HUD but cannot be used to offset the under-disclosure due to a missing Purchase Agreement.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e214a27b-5a1e-e411-8daf-d8d385e1d166 XXXX 48 Compliance   Missing Affiliated Business Disclosure       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX bf25b4b2-561e-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7fffe9ca-561e-e411-8daf-d8d385e1d166 XXXX 2174 Compliance   Missing Rate Lock Agreement       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 00ccc71f-571e-e411-8daf-d8d385e1d166 XXXX 1665 Compliance   Missing Special Information Booklet / Home Loan Toolkit       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX cfd20e81-4443-e411-8daf-d8d385e1d166 XXXX 50 Compliance   FACTA - Notice to Home Loan Applicant & Consumer Score Disclosure not provided       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ced20e81-4443-e411-8daf-d8d385e1d166 XXXX 48 Compliance   Missing Affiliated Business Disclosure       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 41040017-4643-e411-8daf-d8d385e1d166 XXXX 1672 Compliance   Missing Initial Escrow Account Disclosure       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c27a7af2-e06c-e411-8daf-d8d385e1d166 XXXX 2156 Compliance   Escrow amounts on HUD-1 and Initial Escrow Disclosure do not match The initial escrow disclosure statement has an escrowed amount of $X,XXX.XX. The Final HUD-1 has an escrowed amount of $X,XXX.XX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3774c782-556a-e411-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d5976bf1-5c6a-e411-8daf-d8d385e1d166 XXXX 1665 Compliance   Missing Special Information Booklet / Home Loan Toolkit       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX a31b00b0-da27-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B N Final HUD used for testing
XXXX b73aaa45-8438-41ae-bfd8-257f5132834e XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B N Final HUD used for testing
XXXX 1f59ece3-0621-487f-a003-ccd6580c9270 XXXX 1741 Compliance   Missing Final Application Final 1003 in file does not have an acknowledgement date or signature and cannot be deemed Final.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ac0b593b-3627-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 70655375-5671-4837-9609-36322e2c5018 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8ff891dd-c827-e411-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3ecfcaab-0d18-e411-8daf-d8d385e1d166 XXXX 17 Compliance   State High Cost Loan not compliant Points and fees exceed state threshold.  $X,XXX.XX > $X,XXX.XX, the maximum Points and fees permitted, by the State of XXXX. Missing the Shop Around Notice.  Missing disclosure provided to the borrower at least 3 business days prior to closing that contains the following statements: "You are not required to complete this agreement merely because you have received these disclosures or have signed a loan application." "If you obtain this loan, the lender will have a mortgage on your home. You could lose your home, and any money you have put into it, if you do not meet your obligations under the loan.” Missing disclosure provided in writing at least 3 business days prior to closing that contained the following information: Total Loan Amount, APR, Interest Rate, Principal and Interest payment. Missing disclosure in the file, and evidence it was provided to the borrower, at least 3 business days prior to closing that states the Total Cost to Borrower. Missing the following verbiage: "Although your aggregate monthly debt payment may decrease, the high cost home loan may increase both: (a) your aggregate number of monthly debt payments, and (b) the aggregate amount paid by you over the term of the 'high cost home loan' if such are likely the case”.  Missing evidence the Massachusetts High Cost Consumer Caution Notice was provided to, and signed by, the borrower at least 3 business days prior to close.  Missing evidence the borrower received the Counseling Disclosure and the List of Approved Counselors within 3 business days prior to closing stating the following: "You should consider financial counseling prior to executing loan documents. The enclosed list of counselors is provided by the Division of Banks or the Executive Office of Elder Affairs."  Missing evidence that the borrower received credit counseling.  Missing Notice to Assignee.  Missing evidence the Borrower’s ability to repay was determined taking into account property taxes and insurance. Missing evidence Yield Spread Premium provided a benefit to borrower.
Missing evidence borrower was provided the right to choose his or her own attorney.		   7/7 - XXXX points and fees should use the face value of the note. Fees within 5% of note amount. Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A N Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 57f67107-6eb8-44d2-bec8-5119ff528adb XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX due to the Lender not including the attorney fee.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 80706e81-ff22-e411-8daf-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 45b60a38-1e2c-4d6d-aa4e-d7083841c420 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge fee Under Disclosed by $XXX.XX due to Lender not including the Service Charge fee.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 57798379-c7d7-4b8c-8900-64349fa69826 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 41646af3-6322-4360-9d4f-69713263f237 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX due to the lender not including the attorney fee.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 18bf7d69-28b3-4528-bab6-3f330e59e3f4 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 14c45a84-2038-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d93b7fd6-2038-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8c285dbb-3f45-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 719805c9-5af0-483d-ae42-eb1f4c97a824 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX bf4b546d-ad15-441b-ad8b-52d4be2e2b0c XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX a409f390-4843-e411-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX fae94a9e-4843-e411-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5c1a21a1-4d3f-e411-8daf-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 51c9ab88-c3ee-4d98-92c9-e4c44f12252a XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 347d0b77-f243-e411-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5e441b69-f243-e411-8daf-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 07f8e1db-2af6-474c-b4fb-1709b234a7db XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX. The under disclosure is due to XXXX & payment stream variances.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX fbc84353-d938-e411-8daf-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 87923d12-8a40-e411-8daf-d8d385e1d166 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD
   10/13/2015 – Lender provided the certified Final HUD dated XX/XX/XXXX. Condition cleared. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX 59c94a1c-8a40-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b17c7dc0-2fb5-4557-a011-115bb73fc328 XXXX 1587 Compliance   APR Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 852bb1ac-b148-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ccc84481-670a-4575-8383-388948cb45d5 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 692fcb46-9249-e411-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 11bbef33-9249-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ce59fa3f-9249-e411-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 68e78f4f-9249-e411-8daf-d8d385e1d166 XXXX 2922 Compliance   Missing Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD.    07/28/2015 – Cleared – Document submitted by Client. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 4d93d499-df48-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4e93d499-df48-e411-8daf-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form ROR disclosure is not signed by the Borrower.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX aca2506c-f948-e411-8daf-d8d385e1d166 XXXX 1922 Compliance   Monthly MI Premiums are not Properly Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 9a0d70e9-bf32-e411-8daf-d8d385e1d166 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing completed using Settlement Statement dated XX/XX/XXXX found in file (passes) compliance.   Additional findings may occur upon receipt of Final HUD     Active 3 3 D D D D D D D D D D Y Tested with alternative docs.
XXXX 30607f2d-bf32-e411-8daf-d8d385e1d166 XXXX 2151 Compliance   Missing mortgage insurance certificate Missing XXXX cert with terms. Compliance testing incomplete. Additional findings may occur upon receipt.     Active 2 2 B B B B B B B B B B Y Tested with alternative docs.
XXXX d1d5c9e2-c81f-42ac-adc7-36e1e10a1b0a XXXX 1586 Compliance   Finance Charge Under Disclosed Finance charge under disclosed by $X,XXX.XX due to lender not including the Escrow/settlement fee and XXXX Premiums that are improperly disclosed.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2b2c9a45-9333-e411-8daf-d8d385e1d166 XXXX 1922 Compliance   Monthly MI Premiums are not Properly Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX e147f700-5734-e411-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c4287b6b-b2e1-4d4b-8172-d230b96e32e9 XXXX 2151 Compliance   Missing mortgage insurance certificate Missing XXXX cert with terms. Compliance testing incomplete. Additional findings may occur upon receipt.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b51d25c9-8437-e411-8daf-d8d385e1d166 XXXX 1922 Compliance   Monthly MI Premiums are not Properly Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 21a7dcd4-ce87-4989-ad71-f0ca78838ff2 XXXX 5 Compliance   3 day rescission period not provided Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX.  The loan disbursed on XX/XX/XXXX - not giving the Borrower a full 3 days rescission.       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX f595c075-4334-e411-8daf-d8d385e1d166 XXXX 2922 Compliance   Missing Final HUD-1 HUD in loan file is not signed by the Borrower(s) nor certified by the title company.  Compliance testing utilizing this HUD passes compliance.  Additional findings may occur upon receipt of signed Final HUD.      Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 5663f703-122e-e411-8daf-d8d385e1d166 XXXX 2151 Compliance   Missing mortgage insurance certificate Missing MI cert with terms. Compliance testing incomplete. Additional findings may occur upon receipt.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 9783bc0b-9134-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX a3a72677-9c30-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9e19f8c3-9d33-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 520b28f7-9e37-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ae4c4c9d-2b8f-4ea0-b1d3-0973f9292347 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 84c31685-1e38-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1b0cf88d-1e38-e411-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 588f1613-9033-e411-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX 6ed7a525-9033-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 82e11439-9033-e411-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX fdc2af75-5130-e411-8daf-d8d385e1d166 XXXX 2922 Compliance   Missing Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 73027402-b97a-45cd-b1c3-faf4d5dd2d23 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX de2afc22-be3e-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL TIL in file executed at closing reflects estimated figures and/or dates disclosed to the borrower, compliance testing utilizing these estimated figures and/or dates passes compliance.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b5c98ce7-6d08-47e4-a319-a2299d7e0742 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 70d7c751-07c4-41fe-8b0c-a56a4ff25d04 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 6% > 5% maximum late fee allowed by the State of XXXX.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 0f95faf7-c741-e411-8daf-d8d385e1d166 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 HUD in loan file is signed/stamped true and certified however, is marked as estimate.  Compliance testing utilizing this HUD fails compliance.  Additional findings may occur upon receipt of signed Final HUD.     Active 3 3 D D D D D D D D D D Y Tested with alternative docs.
XXXX 333db65f-9dba-4f67-a4f1-437c6da2c724 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance charge under disclosed by $X,XXX.XX due to negative amortization calculations.  Calculations based on estiamted HUD in file.     Active 2 2 B B B B B B B B B B Y Tested with alternative docs.
XXXX a0b165cc-c941-e411-8daf-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Tested with alternative docs.
XXXX e729dd01-efd1-4543-984e-710f339a1327 XXXX 1587 Compliance   APR Under Disclosed APR Under Disclosed by .302% due to negative amortization calculations     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ceeff389-541a-46e5-a12b-d60a2bf5e12f XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $X,XXX.XX due to negative amortization calculations     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX adbc66cc-0f5f-e411-8daf-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  196b1091-5703-4bd7-981d-204c8df4fd00 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX. A Seller concession was listed on the HUD but cannot be used to offset the under-disclosure due to a missing Purchase Agreement.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  76758e27-3fd6-469b-9aff-41275cdbab5c XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
  1756f32a-79f2-491c-83f7-bc5d4d2c2651 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 6% > 5% maximum late fee allowed by the XXXX.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
  0e31531d-f495-e411-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 46bf71b1-abbc-e411-8daf-d8d385e1d166 XXXX 1571 Compliance   Incorrect rescission model – Same lender refinance requires form H-9       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 14859805-acbc-e411-8daf-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 59d7476b-8abc-e411-8daf-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX e0e8656f-62c3-e411-8daf-d8d385e1d166 XXXX 2151 Compliance   Missing mortgage insurance certificate Missing XXXX cert with terms. Compliance testing incomplete. Additional findings may occur upon receipt.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX c0f6f383-92c2-e411-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3dc05b44-3ec7-e411-8daf-d8d385e1d166 XXXX 2151 Compliance   Missing mortgage insurance certificate Missing XXXX cert with terms. Compliance testing incomplete. Additional findings may occur upon receipt.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX de613cd0-2dab-4e37-a592-eaf7cdf6736e XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Borrower.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a8b4e9cb-58c6-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 456daa98-f020-4e1f-8d50-c6163b9912ec XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 7bda554a-59c6-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 346fb434-c2c3-e411-8daf-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX cd230c66-b3c0-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 307f5670-e3c2-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Borrower.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX caac3ba5-abc1-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 52ec75b1-abc1-e411-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 6a1ab5d7-17ff-428d-bc6d-e39771b56f0a XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0ff788b1-bdd7-470c-8d19-9e8f926d5d1b XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ae6a6579-b9bd-e411-8daf-d8d385e1d166 XXXX 2922 Compliance   Missing Final HUD-1 HUD in loan file is not signed by the Borrower(s) nor certified by the title company.  Compliance testing utilizing this HUD passes compliance.  Additional findings may occur upon receipt of signed Final HUD.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 54c59866-7cbd-e411-8daf-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX fc947f30-50e7-e411-8daf-d8d385e1d166 XXXX 2922 Compliance   Missing Final HUD-1 HUD in loan file is not legible.  Compliance testing utilizing this HUD passes compliance.  Additional findings may occur upon receipt of complete Final HUD.     Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 92a4e47d-dcea-e411-8daf-d8d385e1d166 XXXX 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3f42262b-0de4-e411-8daf-d8d385e1d166 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 HUD in loan file is signed/stamped true and certified however, is marked as estimate.  Compliance testing utilizing this HUD fails compliance.  Additional findings may occur upon receipt of signed Final HUD.     Active 3 3 D D D D D D D D D D Y Tested with alternative docs.
XXXX 199415ec-1e47-4f01-84bb-4ec07c437af1 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX due to the Lender not including settlement fee.     Active 2 2 B B B B B B B B B B Y Tested with alternative docs.
XXXX 2c2cb811-9aea-e411-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Tested with alternative docs.
XXXX f24f98ed-99ea-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Tested with alternative docs.
XXXX 73d53e22-f508-e511-8daf-d8d385e1d166 XXXX 1571 Compliance   Incorrect rescission model – Same lender refinance requires form H-9       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0576d08e-4d09-e511-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 4e2e68a0-4d09-e511-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 021235d1-4b50-4132-af01-a554d29b47b7 XXXX 1587 Compliance   APR Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b331c5a9-6147-e511-8d38-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7972256d-d965-434f-8fe3-9b50c537a74b XXXX 3137 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 31cc4d5a-a639-49b2-a239-82b93f710690 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 381430ea-65ec-4946-9902-9f58442bcd42 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 4e5abccb-b828-466a-95fa-04ddf90a46ac XXXX 2143 Compliance   Finance Charge Under Disclosed by $XXX.xx  Finance Charge Under Disclosed by $XXX.XX due to the Lender not including The Settlement fee and Courier Fee.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 70499eb2-5848-e511-8d38-d8d385e1d166 XXXX 2124 Compliance   Incorrect rescission model – Same lender refinance requires form H-9       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 50e191d7-bcf0-4709-b437-4c96792209fe XXXX 2143 Compliance   Finance Charge Under Disclosed by $XXX.xx  Finance Charge Under Disclosed by $XXX.XX due to the lender not including the application and courier fees.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 18a142ae-bc56-4fe7-88ca-25901acc8d33 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 9d427806-2949-e511-8d38-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 7d8a443f-d047-e511-8d38-d8d385e1d166 XXXX 3137 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 14f4d871-bc52-4648-a1fe-e2dfe198b17d XXXX 1698 Compliance   Affiliated Business Disclosure not provided within 3 business days of application date. The Affiliated Business Disclosure in the file is dated XX/XX/XXXX and the original application date is XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 33d6e1c4-9851-e511-8d38-d8d385e1d166 XXXX 1665 Compliance   Missing Special Information Booklet / Home Loan Toolkit       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1ff54aef-c28b-48db-bdc0-cca825e72976 XXXX 1917 Compliance   Re-disclosed Initial TIL (Lender Disclosure) not provided at least 3 Business days prior to loan closed date – MDIA violation The re-disclosed initial TIL was provided on XX/XX/XXXX and the loan closed on XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 28909385-8258-49d6-b4c0-ba3693e86214 XXXX 2030 Compliance   Re-disclosed Initial TIL (Lender Disclosure) not provided at least 3 business days prior to loan consummation (3 business days presumed receipt for mailing) – MDIA violation The re-disclosed initial TIL was provided on XX/XX/XXXX and the loan closed on XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7b9957fa-191b-4dfb-acdb-f414764d4d45 XXXX 1696 Compliance   Servicing Disclosure Statement not provided within 3 business days of application date. The Servicing Disclosure in the file is dated XX/XX/XXXX and the original application date is XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d99b100c-b550-e511-8d38-d8d385e1d166 XXXX 2880 Compliance   Missing HUD Homeownership Organization Counseling Disclosure       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2b3e0452-3b50-e511-8d38-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 4d2a7c57-bb51-e511-8d38-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX 6fa8f374-bb51-e511-8d38-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX a4bc8a8c-bb51-e511-8d38-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application Missing Final Loan Application in the loan file.      Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 2a3e0452-3b50-e511-8d38-d8d385e1d166 XXXX 2922 Compliance   Missing Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 59d7abdd-d002-4d16-a0d3-e1197223480c XXXX 3137 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 22acde81-3752-e511-8d38-d8d385e1d166 XXXX 3137 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Borrower.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 4b72f1e8-f44f-e511-8d38-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 419aa497-f837-4811-8971-4dd33e33217f XXXX 3140 Compliance   584 - Final Title Report Missing       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 58a2b85a-dfad-4720-beb9-d2c6ee528833 XXXX 3137 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b1a239c2-e4bb-44c4-9bbb-e28055b4550b XXXX 2143 Compliance   Finance Charge Under Disclosed by $XXX.xx  Finance Charge Under Disclosed by $XXX.XX due to the Lender not including Post Closing fee.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 54a40bd0-7c52-e511-8d38-d8d385e1d166 XXXX 1571 Compliance   Incorrect rescission model – Same lender refinance requires form H-9       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 53a40bd0-7c52-e511-8d38-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e84bb02a-4152-e511-8d38-d8d385e1d166 XXXX 3140 Compliance   584 - Final Title Report Missing       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 755e72d2-6a5f-44ca-bedb-5a5c904214e0 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $X,XXX.XX due to invalid index and rounding factor used.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 03231dc2-4152-e511-8d38-d8d385e1d166 XXXX 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 884cb6c8-1953-e511-8d38-d8d385e1d166 XXXX 3137 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Borrower.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b8f4215e-ca88-4eea-8f15-9f5a6ac22b23 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 47258b3c-584e-e511-8d38-d8d385e1d166 XXXX 48 Compliance   Missing Affiliated Business Disclosure       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 14ff07a5-7951-e511-8d38-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application The Final Application does not reflect a Lender and is missing the Interviewer's name.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 20e0a641-1868-e511-af87-d8d385e1d166 XXXX 3140 Compliance   584 - Final Title Report Missing       Active 3 3 D D D D D D D D D D N No testing able to be performed.
XXXX 208118c6-1768-e511-af87-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX 00d2e67a-1868-e511-af87-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D N No testing able to be performed.
XXXX c0475b67-1868-e511-af87-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX 60d4864b-1868-e511-af87-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX 1fe1444a-f76c-e511-af87-d8d385e1d166 XXXX 2922 Compliance   Missing Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.     Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX 218118c6-1768-e511-af87-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 91aa66c2-3471-e511-af87-d8d385e1d166 XXXX 3137 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b1460aca-9172-e511-af87-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9e5e3e5e-9173-e511-af87-d8d385e1d166 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 HUD in loan file is marked as estimate. Compliance testing utilizing this HUD passes compliance. Additional findings may occur upon receipt of signed Final HUD. 11/5/15 - Lender provided final HUD-1 that is neither executed by the borrower nor certified by the title agent. Condition remains.   Active 3 3 D D D D D D D D D D Y Tested with alternative docs.
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 6906f44d-be79-e511-af87-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 36731984-f973-e511-af87-d8d385e1d166 XXXX 2922 Compliance   Missing Final HUD-1  Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 38731984-f973-e511-af87-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 9fe8a49f-9b73-e511-af87-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX b5bda948-f873-e511-af87-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX b520605c-f873-e511-af87-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 5587d33c-f873-e511-af87-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 9ee8a49f-9b73-e511-af87-d8d385e1d166 XXXX 2922 Compliance   Missing Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX a0e8a49f-9b73-e511-af87-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX f9f257b1-3f73-e511-af87-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is illegible.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 50de8cb9-6ccb-4b05-863c-f8a8961f5a96 XXXX 1741 Compliance   Missing Final Application Final 1003 in file does not have an acknowledgement date or signature and cannot be deemed Final.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 62aaede6-6e42-43bb-a6a4-1493e731b97c XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XX.XX due to the Lender not including Courier fee.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ff4a5aae-926e-e511-af87-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6f4a7ae9-8979-e511-af87-d8d385e1d166 XXXX 2862 Compliance   HUD Homeownership Counseling Disclosure not provided within 3 days of application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4eb43fcb-8979-e511-af87-d8d385e1d166 XXXX 48 Compliance   Missing Affiliated Business Disclosure       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX fe831b3a-1672-e511-af87-d8d385e1d166 XXXX 1665 Compliance   Missing Special Information Booklet / Home Loan Toolkit       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d1d5aa6f-9c72-e511-af87-d8d385e1d166 XXXX 2174 Compliance   Missing Rate Lock Agreement Missing Rate Lock Agreement     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX f3e36dfd-ba18-4ada-9fc5-13479130dd1e XXXX 16 Compliance   Home Loan Not Compliant Grace period and late fee do not meet New Jersey requirements. 6% > 5% maximum late fee allowed by the State of XXXX.  10 days < 15 days required grace period permitted by the state of New Jersey.      Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX bc0f97fa-8594-48ff-94bc-61369bc2b988 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 6% > 5% maximum late fee allowed by the State of XXXX.  10 days < 15 days required grace period permitted by the state of XXXX.      Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 177f4328-12af-e511-99e0-d8d385e0a8b2 XXXX 2922 Compliance   Missing Final HUD-1 Missing Final HUD-Compliance testing is not complete.  Additional findings may occur upon receipt of Final HUD. 01/21/16 – Lender provided the certified Final HUD dated XX/XX/XXXX. However, the copy is ineligible . Please provide clear copy of Final HUD1 so compliance testing can be completed   Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX fe16a7e6-2947-4061-acd0-2ba8a5c72f45 XXXX 17 Compliance   State High Cost Loan not compliant Points and fees exceed state threshold. $X,XXX.XX > $X,XXX.XX, the maximum Points and fees permitted, by the State of XXXX. XXXX additional test failure; points and fees are greater than 2% of the total loan amount. Documentation in file supports the State points and fees fail.    01/28/16 - Lender provided the appraisal invoice reflecting the appraisal fee as being paid to the appraisal company and not the lender in the amount of $XXX.XX. State High Cost testing now passes. Condition cleared. Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
XXXX 410d69fb-a037-4944-9ceb-4c9f709f8e5d XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $X,XXX.XX; however, unable to determine due to missing TIL itemization.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a22e38b4-ddaf-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 39eff325-07b0-e511-99e0-d8d385e0a8b2 XXXX 3140 Compliance   584 - Final Title Report Missing       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 59103bc1-59b5-e511-99e0-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL TIL in file executed at closing reflects estimated figures disclosed to the borrower, compliance testing utilizing these estimated figures passes compliance.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 269c981f-ba87-4bbb-8b16-3f7eea0b2f6d XXXX 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 415141c2-dfc8-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a194eb80-e2c8-e511-99e0-d8d385e0a8b2 XXXX 2922 Compliance   Missing Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.     Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX 01345922-e3c8-e511-99e0-d8d385e0a8b2 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 5ec06609-fec5-e511-99e0-d8d385e0a8b2 XXXX 2922 Compliance   Missing Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 26ac9a1e-fec5-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
  ea89ae3c-5cf5-e211-b68a-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  db2d0df9-9bff-e211-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 037073f9-042f-438f-aaca-0510aba3f266 XXXX 1586 Compliance   Finance Charge Under Disclosed It appears that the lender did not include the origination fee of $X,XXX.XX.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  f0f15585-63b4-4009-b708-50c26e9e83c1 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  cb4edca9-25a9-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  dde92a5d-2ea9-e311-8ed7-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.
     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  92e8289b-a4ab-e311-8ed7-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  149c176a-a4ab-e311-8ed7-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application Final 1003 in file does not have an acknowledgement date and cannot be deemed Final.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  102b9828-a4ab-e311-8ed7-d8d385e1d166 XXXX 27 Compliance   Prepay Penalty Not Enforceable Terms of Prepayment per the Note is 5% of the original principal balance for a 3 year term.  The Fixed Rate or 2 year ARM contains an interest rate 11.6% and a loan amount of $XX,XXX.XX.  If the rate of interest on a mortgage loan exceeds 6% per annum, loans may be prepaid at any time, in whole or in part.  In such loans, no prepayment penalty may be imposed on or after one year from the date the loan is made.   Within the first year after such a loan closes, a prepayment penalty may be imposed only if the loan documents expressly provide for such a penalty.  XXXX Gen. Oblig. Law § 5-501(3)(b).  In addition, for first lien ARM loans of less than $XXX,XXX.XX, a prepayment penalty may be charged under the foregoing provision only if: (i) the interest rate is fixed for at least 5 years; (ii) the contract provides for the penalty; and (iii) the mortgage banker, broker, and/or exempt organization comply with the Banking Regulations requiring that prepayment penalties be disclosed in advertisements, applications, and commitments. XXXX Comp. Codes. R. & Regs. tit. 3, § 82.7.  For ARMs of $XXX,XXX.XX or greater, the general restrictions above in XXXX Gen. Oblig. Law § 5-501(3)(b) would apply.        Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  1063a3a7-a4ab-e311-8ed7-d8d385e1d166 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  d0ae1e5b-22f6-e211-b68a-d8d385e0a8b2 XXXX 16 Compliance   Home Loan Not Compliant XXXX:  Loan amount is less than $XXX,XXX.XX and subject to prepayment penalty.   08/28/13 - Cleared - Prepay permitted under AMTPA (Alternative Mortgage Transaction Parity Act) Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
  e1d4def6-560e-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing Modification Agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  dc4c5883-22f6-e211-b68a-d8d385e0a8b2 XXXX 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan:  Terms of Prepayment per the Note is 1% of the amount prepaid for a one year term with a loan amount of  $XXX,XXX.XX.  No prepayment fees are allowed if the principal amount is less than or equal to $XXX,XXX.XX, the borrower is a natural person, the debt is incurred primarily for personal, family or household purposes, and the loan is secured by a first lien on 1-4 family property that is the borrower’s principal dwelling. XXXX Gen. Stat. § 24-1.1A(b).   08/28/13 - Cleared - Prepay permitted under AMTPA (Alternative Mortgage Transaction Parity Act) Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 5562fe36-25a8-42ea-95c5-4165f5f37aed XXXX 1587 Compliance   APR Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1fa3a251-a2e6-46fd-b831-dc6b9d2b5ebd XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d9b62abe-688d-e511-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 190ee214-698d-e511-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal in file is dated XX/XX/XXXX, exceeding the 6 month industry age standard.  The subject loan closed XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 49160f9c-3587-e211-b68a-d8d385e0a8b2 XXXX 2071 Compliance   Missing Brokers Price Opinion Missing current BPO with value of $XX,XXX.XX completed on XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3f406743-e13a-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  e496e64b-bead-4f0a-ba1f-794ea15e8943 XXXX 1587 Compliance   APR Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  e6ec01ba-bbbe-425d-be84-6e938658975c XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  c5ad7646-a4b4-e311-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 918b3338-3db4-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1b1b1980-013f-e511-8d38-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification Loan Modification Agreement is missing dated on XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ce81b241-062c-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  2474f753-cff7-4aa3-b10c-5cb180427489 XXXX 1587 Compliance   APR Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  9e76c76d-17b9-e311-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  b3590ec2-32b6-4860-b670-c5258dbaa6da XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  25574a07-17b9-e311-8daf-d8d385e1d166 XXXX 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  e91d358f-17b9-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  412192e4-15b9-e311-8daf-d8d385e1d166 XXXX 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan: Terms of Prepayment per the Note is 5% OPB for a 3 year term.  If the loan is prepaid before five years, a prepayment penalty of not more than one percent of the original loan amount is authorized. XXXX Rev. Code Ann. § 1343.011(C).     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  4233e9df-a547-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  f48c6311-0a57-e511-ad05-0a9b274c08c2 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX f15775d3-74ad-e611-b5f3-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  fac9f7ed-8cb2-e211-9f33-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  c3f5f671-89a5-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5eb407a4-c674-e211-b68a-d8d385e0a8b2 XXXX 2071 Compliance   Missing Brokers Price Opinion Missing current BPO with value of $XX,XXX.XX completed on XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 621571bf-c674-e211-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
  2b8377d3-450c-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0dc2e4d3-8db6-e311-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 605df1ce-3c38-e511-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification Missing modification agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
  7d485fed-3407-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  1370ce68-9403-e311-b68a-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  6ebb7a7b-eb05-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
  3744573b-26e9-40e3-a5c3-0e1ec1e60564 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Final HUD-1 is missing addendum with itemization of payoffs. 08/22/13 - Document provided does not meet audit standards - Itemization of amount financed does not reflect Additional Disbursements Exhibit referenced on lines 103 & 104 of Final HUD 1.
08/15/13 - Document provided does not meet audit standards - Final HUD-1 is not complete, missing Additional Disbursements Exhibit referenced on lines 103 & 104.		 04/14/2014 – Cleared – Document supplied by Client. Cleared 3 1 D A D A D A D A D A Y Tested with alternative docs.
  9616e9a8-5131-e711-bbc0-f4e9d4a75ba2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification agreement in file dated on XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Tested with alternative docs.
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
  1d9e8f40-feaa-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  e469da4a-ac97-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  aea6fc4f-8d9d-e311-8ed7-d8d385e1d166 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ad68f3a9-ff87-49a9-bc77-2d4dcb5a0595 XXXX 2071 Compliance   Missing Brokers Price Opinion Missing current BPO with value of $XX,XXX.XX completed on XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3a20c81b-31f0-4a96-bed1-6217f240e12d XXXX 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
  b599dd81-8606-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  8e845baa-9709-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification document dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX f118efaa-acaa-e311-8ed7-d8d385e1d166 XXXX 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a356a282-47a9-e311-8ed7-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 390db189-47a9-e311-8ed7-d8d385e1d166 XXXX 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan: Terms of Prepayment per the Note is 6 months interest on prepaid amount for a 2 year term.  If the loan is prepaid before five years, a prepayment penalty of not more than one percent of the original loan amount is authorized. XXXX Rev. Code Ann. § 1343.011(C).     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  814b0f52-ca3f-4303-982d-9ae9a47f1d56 XXXX 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan:  Terms of Prepayment per the Note is 5% amt prepaid > 10% of OPB for a two year term.  APR for the subject transaction is XXXX%.   It is unlawful to provide a prepayment penalty or other charge for prepayment on any loan secured by a mortgage on residential real estate, if the annual interest rate exceeds eight percent.  815 XXXX 205/4(2)(a).  In addition, if the prepayment penalty is authorized (loans with APR < 8%), the amount of the penalty is limited to not more than 6 months’ advance interest on that part of the aggregate amount of all prepayments on a loan in one year, which exceeds 20% of the original principal amount of the loan.   815 XXXX 205/4.1a(f).     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  083ff520-8f06-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  f074cbdb-b1ec-e111-9faa-d8d385e0a8b2 XXXX 2 Compliance   Final HUD-1 not provided - compliance review is incomplete     Document was located in Hard Drive file. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
  007cc9e2-b1ec-e111-9faa-d8d385e0a8b2 XXXX 3 Compliance   Final TIL not provided - compliance review is not complete     Document was located in Hard Drive file. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
  017cc9e2-b1ec-e111-9faa-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal     Document was located in Hard Drive file. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
  ce2ab3ea-b1ec-e111-9faa-d8d385e0a8b2 XXXX 1650 Compliance   Missing copy of title   02/28/13 Doc not found in XXXXXXXXX.   Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  726f5df5-b1ec-e111-9faa-d8d385e0a8b2 XXXX 1743 Compliance   Missing Credit Report     Document was located in Hard Drive file. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
  736f5df5-b1ec-e111-9faa-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval     Document was located in Hard Drive file. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  0ad93b02-b2ec-e111-9faa-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application     Document was located in Hard Drive file. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  570809b1-adec-e111-9faa-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing signed modification agreement dated XX/XX/XXXX. 02/23/13  Doc not found in XXXXXXXXX  10/8 Doc not found onXXXXXXXXX or hard drive. 02/27/13 Cleared- doc found in XXXXXXXXX. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  71697310-b2ec-e111-9faa-d8d385e0a8b2 XXXX 1596 Compliance   Missing Right To Cancel Form     Document was located in Hard Drive file. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  a2936d3e-d7f2-e111-9faa-d8d385e0a8b2 XXXX 29 Compliance   Prepayment penalty does not conform to state prepayment guidelines Terms of Prepayment per the Note are 5% > 10% for 2 year term.  If a prepayment penalty is authorized, the amount of the penalty is limited to not more than 6 months’ advance interest on that part of the aggregate amount of all prepayments on a loan in one year, which exceeds 20% of the original principal amount of the loan.   815 XXXX 205/4.1a(f).     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
  dd2da898-b214-4c7b-b844-34e2e4b04fc8 XXXX 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams Lender utilized an index value of XXXX%, while the highest available index value for the 6 Month Libor with 45 day lookback period was XXXX%     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  448ba769-05e7-e111-9faa-d8d385e0a8b2 XXXX 2071 Compliance   Missing Brokers Price Opinion Missing current BPO dated XX/XX/XXXX  with value of $XXX,XXX.XX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  c742f2f2-0ae7-e111-9faa-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing Modification dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 40374099-5b51-4ded-b045-4545f72ad1be XXXX 2071 Compliance   Missing Brokers Price Opinion Missing current BPO with value of $XXX,XXX.XX completed on XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 088da674-c89a-4f67-970a-8cb01ed99f43 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms It appears that the lender used a higher initial rate cap of XXXX% vs the note initial rate cap of XXXX%.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
  a7c705b3-e195-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  4340b927-4dc1-e211-9f33-d8d385e1d166 XXXX 1743 Compliance   Missing Credit Report Missing credit report for the Co-Borrower   08/13/13 - Cleared - per client request Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
  a3b7d614-4dc1-e211-9f33-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application Missing Final 1003 for the Co-Borrower     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0cd5134b-e41b-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/04/13 – Client supplied a system record date for the Disbursement Date field.  Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 6c4a08d6-7a19-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  e2b94286-8506-e311-b68a-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  22c20c2a-990b-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  32e9f82e-18d8-45ee-83ac-f3d3f19f0359 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  3f2f437e-6b0a-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification document dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 46668a6f-952a-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/04/13 – Client supplied a system record date for the Disbursement Date field.  Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX da7d3466-952a-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  3a667364-c79f-e311-8ed7-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a16a58e4-a90b-4b64-8baf-0225e51672fc XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 15fca9b2-733e-456f-9c78-11b42a03d565 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 523c4926-881a-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2100c8d9-4da6-4ed6-b59e-201f6e38f0ea XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 775854cd-7309-4757-a3b7-2f72519c1850 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX cc77c15f-ca42-e611-86f5-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9f483dc3-e629-e711-90c0-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing modification agreement dated on XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX a0de8560-fc1f-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/04/13 – Client supplied a system record date for the Disbursement Date field.   Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 3b451814-481a-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9117ba09-d32f-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 035b1191-6d5a-4890-b487-dfb0d0a04a05 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 45e4307d-bfc1-4bd7-83c2-f6e16cd3ea5c XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX d8b57d42-6f34-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  9097b52c-ade8-e211-9f33-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification modification dated XX/XX/XXXX is missing from the file.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX aa361779-8b58-4f0f-9c2d-b814b223fec8 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 08994c33-a455-4050-a057-c73a1fd1990f XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 197f19df-8fb2-e511-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2a309ce7-47b5-e511-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal in file is dated XX/XX/XXXX, exceeding the 6 month industry age standard.  The subject loan closed XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX d93dfa0e-f981-4a20-8db2-1c775aa68c8a XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX da4f444d-e9c5-4636-b36b-b35d91eeb760 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 9e6a873c-906e-e511-af87-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX df7d478a-3d55-e611-86f5-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7d597258-d060-e611-b595-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables and all applicable addendums.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 56720474-8cfa-4b86-9137-24d8c865f28c XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 775592df-1310-4a36-893f-cfa1e285c63c XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX dc232f8f-db49-480a-9382-2a524c094cf3 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  1e7aa35c-25b4-e311-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 10b29d5c-c136-4a97-875a-b14b797cc7bf XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 428a04df-7765-418b-b633-d98005e19062 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 2adc9e03-9a2a-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c5ebf70e-9336-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal in file is dated XX/XX/XXXX, exceeding the 6 month industry age standard.  The subject loan closed XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 7a3e1489-b776-47ab-acd7-52ef9acb86dd XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 09028412-25a3-4e4a-a620-e57bee141d94 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 20416724-f63f-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b8f73b3e-f63f-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 2a2c06c7-5525-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.  Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 474717e4-4487-4e00-9ff5-9ef454d2e1b3 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX d11b7f32-a70a-4195-b587-0e4882f46268 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 5002c2be-5525-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4f02c2be-5525-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 37b3ad04-5bdd-4187-b526-d6c6a1a586f0 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  c04bb1d4-0220-e411-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 032e0859-7b1c-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.
   12/04/13 – Client supplied a system record date for the Disbursement Date field.
 Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 54289082-06b5-4f22-98e8-75d20d05895c XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 4b77ea4b-fc94-4d60-b94e-e98b068dc4f1 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 71de4550-071b-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  c792bb18-c3b5-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 634b044f-bcb1-4234-93d6-1ec10b8f3dc8 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 3faa6cda-637d-e311-b68a-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b00f33a7-7757-4735-ad04-e7c323a859a6 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 0cbad363-321c-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9ae0ad94-637d-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed     Information from Client regarding Business Relationships confirmed no Affiliate Fees to be included in Compliance Testing    Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  d86c4457-2001-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  e5dbfd2b-1848-45d4-97bb-b2103cbf4879 XXXX 1586 Compliance   Finance Charge Under Disclosed Invalid index used by lender to calculate payment stream. Lowest available index within the lookback period for the 6 month LIBOR was XXXX% resulting in a payment after rate adjustment of $X,XXX.XX versus the lender's disclosed adjusted payment of $X,XXX.XX - indicating a lower invalid index rate was utilized to determine the fully indexed rate on the loan.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  247e13b8-8659-4122-b602-efbafae4786f XXXX 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams Lender utilized an index value of XXXX%, while the lowest available index value for the 6 Month Libor with a 1st business day of the Month lookback period was XXXX%.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  477b6722-dffc-e111-9faa-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing signed Modification dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  89bc25f9-05e7-e111-9faa-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms Invalid index used by lender to calculate payment stream. Lowest available index within the lookback period for the 6 month LIBOR was XXXX% resulting in a payment after rate adjustment of $X,XXX.XX versus the lender's disclosed adjusted payment of $X,XXX.XX - indicating a lower invalid index rate was utilized to determine the fully indexed rate on the loan.   02/21/13 - Cleared - Audit review - duplicate breach Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  12c0bde1-7ced-e111-9faa-d8d385e0a8b2 XXXX 27 Compliance   Prepay Penalty Not Enforceable XXXX loan:  According to the Note, the Prepay term was 3 years at 1% of OPB.  Effective June 1, 2008, a lender may not require or authorize the imposition of a penalty fee, premium, or other charge in the event that any mortgage loan  is paid in full.  Prior to that date, a prepayment penalty could be charged if the loan was prepaid within three years from the date the loan is made and the penalty did not exceed two months’ advance interest on the aggregate amount of all prepayments made in any 12-month period, in excess of one-third the amount of the original loan.  XXXX. Code Ann., Comm. Law § 12-105.   Further, a prepayment penalty could not be charged if the “effective rate of simple interest”  exceeded 8%.   XXXX. Code Ann., Comm. Law § 12-103.  

     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 2b462b84-e52a-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  b55572fa-c58c-e311-8ed7-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  4f0f642b-3cdf-478e-8445-ea02dee1252c XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  3ccecf20-ff89-42e9-8aeb-63a02310880f XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  881e6879-c38c-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  17887e40-df9f-e311-8ed7-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL TIL in file executed at closing reflects estimated figures disclosed to the borrower, compliance testing utilizing these estimated figures passes compliance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  d40d43a4-559e-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  9e429c4d-1f04-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 819b2648-7c89-4ba2-b252-37f776677ade XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   1/15/10; Client supplied a system record date for the Disbursement Date field. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX e0b0ea85-b039-4165-abc0-90bd1a5076fe XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 4fd5b584-86cb-4890-9428-54a0ac2e6ba3 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX b0e85888-196f-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  cb3973d7-48a8-43bc-99f0-3ca4d90b2386 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  f47c6da6-34db-4185-8f02-f69563ff932b XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  337cefd0-ed94-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  c2dad535-ef94-e311-8ed7-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 394dc7a8-731d-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/04/13 – Client supplied a system record date for the Disbursement Date field.  
 Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 5519f7d0-cae3-4692-a10c-13c1f729180c XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 5ea5b775-dcbd-4bbf-850e-1e102ece9c0d XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 3a4dc7a8-731d-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX bd2f543d-dc38-4724-afb4-ad7175e0a1f4 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 019cd6ab-4f72-e511-af87-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 199c2e02-ba95-4e3b-922d-21db78af9ede XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX ebad9481-836b-e511-af87-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  7a0944f8-a20e-e311-b68a-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application Final 1003 in file is missing page 1.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  4622c8e2-b9a3-4d84-b426-5b7bef293b4f XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  5b1cbd4e-835b-e311-b68a-d8d385e0a8b2 XXXX 27 Compliance   Prepay Penalty Not Enforceable Illinois Loan:  Terms of Prepayment per the Note is 5% of original principal note balance for a three year term.  APR for the subject transaction is XXXX%.   It is unlawful to provide a prepayment penalty or other charge for prepayment on any loan secured by a mortgage on residential real estate, if the annual interest rate exceeds eight percent.  815 XXXX 205/4(2)(a).  In addition, if the prepayment penalty is authorized (loans with APR < 8%), the amount of the penalty is limited to not more than 6 months’ advance interest on that part of the aggregate amount of all prepayments on a loan in one year, which exceeds 20% of the original principal amount of the loan.   815 XXXX 205/4.1a(f).     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 948d8bd7-04f2-4299-86e7-8aa61cb33f34 XXXX 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  b64782a5-ce00-e211-b68a-d8d385e0a8b2 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 The Final HUD-1 image is cutoff on left side of all pages. 02/20/13 Doc not found in XXXXXXXXX, illegible HUD passed compliance .9/20: Complete copy of HUD-1 not provided. Left side showing Borrowers' property location and who fees paid to is cut off. 06/20/13 - Cleared Doc provided by Client Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
  000c18b3-ce00-e211-b68a-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL The Final TIL image is cutoff on left side of all pages. 02/20/13 Doc not found in XXXXXXXXX, Imaged Doc is illegible. 9/20: Complete copy of TIL not provided. Left side showing APR and payment stream is cut off.    Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  1268fb7b-ce00-e211-b68a-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application The Final 1003 image is cutoff on left side of all pages. 02/20/13 Doc not found in XXXXXXXXX, Imaged Doc is illegible.   Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  5c534d3a-d700-e211-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX. 02/20/13 Doc not found in XXXXXXXXX,    Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b5a69f59-ab6c-e211-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  ca81dc62-01a2-e611-b5f3-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  4e87b13d-cef3-e111-9faa-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing signed Modification Agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8de51a73-8fe4-458a-891c-7054c9499ebe XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 7b96b5ae-8990-4e5a-8af7-b455087f4e4a XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 55157986-d554-46ce-88de-fc0af7cc8e5e XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  d41e479f-9f7b-4f1c-be04-c3d94c529a4d XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  379cea11-a88e-e311-8ed7-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  5b415468-dad5-479a-a488-a44dfb447fd8 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  3544730f-a58e-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4679447d-e825-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 23bf6e8a-6045-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 56ce189d-9a53-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX e925b939-3361-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6b3b233a-3051-e311-b68a-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 74f55c69-3e67-e511-af87-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e0faa010-0a6d-e511-af87-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c1cde063-311f-e711-90c0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 38a5b4f2-1305-e711-90c0-d8d385e0a8b2 XXXX 2176 Compliance   Missing Critical Documentation needed for complete compliance review     04/13/2017 – Cleared Documents provided by Client. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 712c1230-6645-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
    XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
  db03b19d-95b6-e311-8daf-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d0b47946-0535-4751-b090-211c18045965 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 163d7fb2-cd38-4f18-a1d4-23f2a725c7dd XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 86c4f3e8-86ab-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  21a83987-1591-4421-b44f-0986970cd601 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  a8b47529-d68f-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  1ad589c4-e28f-e311-8ed7-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  a50b01e5-f85e-40f6-b89b-54a2d5685578 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  cf073ca2-5c78-442a-9a7a-051b8f2a15b3 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  4d3b5c64-c548-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  d1ed1b50-f84e-e311-b68a-d8d385e0a8b2 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  a18d788f-c813-4455-819e-3f22376765e7 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.   Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  2095be5f-33fa-4c20-918e-ebef923dbe71 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  8052c1e7-f1f5-4756-926c-bfb36698c3e3 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  910aadff-9491-40c0-99ed-5a4fd0241990 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ef4444b9-aa3d-498b-aca0-f15e360c2420 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 64d12bb2-2d6e-434e-b625-c71ff1c2b881 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX c5d446e3-3d1e-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 844bc7ab-3f1e-e511-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  9e5d7c48-369f-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  79f0f4d5-608a-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  b7963009-accb-4ca8-9655-43510a5d4be9 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds     CGCEP Title 12 Sub 10, CLA ACM – late fee acceptable Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
  9e8735cc-688a-e311-8ed7-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0ae85392-4222-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   1/15/10; Client supplied a system record date for the Disbursement Date field. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX c1720a66-b35d-48e6-b477-48797da6bc19 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 85d1050b-7f6a-4e82-84c0-b686310b8317 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 657c049a-4222-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 830e04de-1322-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.
 Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 5c05294b-1122-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0861b455-1122-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing pictures of both the subject property and comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX ba764907-ab83-47a3-b006-f9e9bcc47a18 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX ccd29c88-0b60-4697-888d-0394d2babee7 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 60c166a2-1268-e511-af87-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 00c2cb13-1468-e511-af87-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 7c86dc24-a348-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5158f17e-6f24-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c8f5036d-6f24-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX fb306b58-4981-e411-8daf-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 59872cf1-4681-e411-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7619a160-4981-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  73261102-b68d-e311-8ed7-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  41eac301-457f-4bb6-8ddf-2ec48e08b316 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  a7fcd407-084b-40ca-a1cc-bd7eacdc7dc9 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  cc37f2a9-b28d-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  8e807cbb-bdf7-e311-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1b447299-8524-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.
Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 71f5b2a0-8524-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 357805b6-2ed1-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c53a9daa-58d4-e311-8daf-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d53e8296-adbf-468d-b399-54432c50b856 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX b86922b2-fab8-e311-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX f78aa421-e04f-4525-aaaf-a2c6f23d5e18 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 6c9535ce-f8b8-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1c6813a2-fab8-e311-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing pages 2 and 3.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 4ef53f89-d214-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b736387c-3639-4ba7-86e7-6901c76b4206 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 85eb1143-347a-e411-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5cedda7d-447a-e411-8daf-d8d385e1d166 XXXX 27 Compliance   Prepay Penalty Not Enforceable XXXX Loan:  Terms of Prepayment per the Note is 6 months interest on amount prepaid or $XXX, whichever is greater for a 3 year term.  Lenders are prohibited from assessing a penalty against a mortgagor for prepayment of a residential mortgage loan where prepayment is made more than six months after execution of the promissory note.  XXXX. Stat. Ann. § 16-207(c).       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  51218604-5df5-e211-b68a-d8d385e0a8b2 XXXX 16 Compliance   Home Loan Not Compliant Loan is subject to Mandatory Arbitration due to the execution of “Waiver of Borrower Rights”.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
  9efba8f5-2f07-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  436ca338-780e-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing modification dated XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3ee11622-7e63-4ec2-a96e-322f5c3e20be XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX b861138b-402a-4db1-9c80-4e6e09c530bc XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX b18806c3-a391-e511-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8ef6791c-bb77-e511-af87-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3ae55c06-b9c8-e411-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5d2045e2-4c2a-e711-90c0-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing modification agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6d7edb0b-2526-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 3e574812-2526-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 97731dd0-5852-e511-8d38-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 754dbbb3-5952-e511-8d38-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal in file is dated XX/XX/XXXX, exceeding the 6 month industry age standard. The subject loan closed XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 20cc7c12-8648-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 533498b2-2fae-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7d066624-d145-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  a4631d37-94e2-e211-9f33-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification Missing Modification Agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  ec2c8433-73e2-e211-9f33-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification Unsigned Modificaiton Agreement in file dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c2c1b0b5-db26-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.  Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 9103c4be-db26-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 96e2809b-2887-e511-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 77a55eeb-2a87-e511-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal in the file is not legible.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 7fa48e05-5251-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   11/19/13 – Client supplied a system record date for the Disbursement Date field.
 Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 4624cfd7-5151-e311-b68a-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 423870b7-5051-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4b516e8c-7052-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.
     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  399b1ce6-d4d1-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  192fd0af-e124-453e-897f-d0e2eb75773f XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds     CGCEP Title 12 Sub 10, CLA ACM – late fee acceptable Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
  e7cf0922-04d6-e311-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX a020fafe-a2b2-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9fa706c2-37b4-e311-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 7050aa7c-954e-4055-b13e-58f26eed9fca XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 6c73c338-b961-48e4-bb3d-35be8a661bff XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX a36c487a-902d-e611-86f5-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9660d449-ae3f-e611-86f5-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.
     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX b3fda8fd-42ca-4bd2-84c8-712cbc797385 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 6391b1e6-1d96-4d76-a355-81b572377a5e XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 56f8d349-0b66-e511-af87-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 30cf93be-a34b-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d8b9cfb4-534d-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 9252bbcb-b85d-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ecc190aa-2f26-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 42f0227d-4f2d-e311-b68a-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 11de10a4-2f26-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ebc190aa-2f26-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  eefa63f3-8b57-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 06d5a031-5c57-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d23af630-3b5d-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 9a2c5075-2f0f-4a3c-b507-9be12064842a XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/05/13 – Client supplied a system record date for the Disbursement Date field.  Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX cf607ddc-0131-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  ca798aae-0840-47d0-8949-e9e48a571bb4 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  21d2c90e-a9b6-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  c884905d-aab6-e311-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX f07da981-b631-e311-b68a-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6572d79a-8627-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d3056ca7-8e11-4f57-a8bb-89937675ed89 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds       Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
XXXX 56ec7da1-29af-e511-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d6594a8b-2baf-e511-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 2e05440a-9620-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   12/06/13 – Client supplied a system record date for the Disbursement Date field.  Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX a0ba2d12-9620-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX de5e335c-5f24-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 34aade30-78b6-e311-8daf-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2b5d3c77-75b6-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX bca95b64-df39-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  9294b5d4-c765-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  62a3d3f3-f765-e311-b68a-d8d385e0a8b2 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a6c7d7ef-ca15-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a8728783-425d-4f75-8a3a-85a28d0e7cfa XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds     CGCEP Title 12 Sub 10, CLA ACM – late fee acceptable” Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
XXXX 8acf830e-7d23-e611-86f5-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  239e7490-54f6-e311-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL TIL in file executed at closing reflects estimated figures and/or dates disclosed to the borrower, compliance testing utilizing these estimated figures and/or dates passes compliance.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  51c676fc-57f7-e311-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c1ca69c3-baf6-4c4b-8845-3ca755bcc1a0 XXXX 1587 Compliance   APR Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX f1052f94-0b6b-e511-af87-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL TIL in file executed at closing reflects estimated figures and/or dates disclosed to the borrower, compliance testing utilizing these estimated figures and/or dates fails compliance.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5319c398-6276-e511-af87-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  64473faf-68f6-e311-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL TIL in file executed at closing reflects estimated figures and/or dates disclosed to the borrower, compliance testing utilizing these estimated figures and/or dates passes compliance.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  166f9cfa-68f6-e311-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  eafbb0ec-ebf7-e311-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL TIL in file executed at closing reflects estimated figures disclosed to the borrower, compliance testing utilizing these estimated figures passes compliance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  2dea70c1-74ec-e311-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  a850f5f0-7e00-e411-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 78451d01-bf00-4680-8689-e701270566ed XXXX 1587 Compliance   APR Under Disclosed Missing TIL     Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 26cd133a-638a-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 22954c0b-63aa-48c8-845e-12a83ab3a8e9 XXXX 1586 Compliance   Finance Charge Under Disclosed Missing TIL     Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 2b2d06dd-418d-e411-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 11bd1017-428d-e411-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8c70bf9d-418d-e411-8daf-d8d385e1d166 XXXX 1741 Compliance   Missing Final Application Missing page 2 of 3     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 27cd133a-638a-e411-8daf-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX cb3c220b-3f14-e411-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL TIL in file executed at closing reflects estimated figures and/or dates disclosed to the borrower, compliance testing utilizing these estimated figures and/or dates passes compliance.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 23201f3d-67a6-e411-8daf-d8d385e1d166 XXXX 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b78dfe3e-3d14-e411-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 3a9d2625-9a33-e711-bbc0-f4e9d4a75ba2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification agreement in file dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4d943aeb-c023-e711-90c0-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8fd61fb8-be23-e711-90c0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e53ecc76-ae29-e711-90c0-d8d385e0a8b2 XXXX 1650 Compliance   Missing copy of title       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 0bd7acf8-1305-e711-90c0-d8d385e0a8b2 XXXX 2176 Compliance   Missing Critical Documentation needed for complete compliance review     04/17/17  cleared documents provided Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX 63091698-5be5-4be5-aa6f-aecdf6bb31c2 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX b45f0d9b-5733-4d6b-87c2-1d71bdace692 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 41940f61-391e-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX cd254ce7-931e-e511-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 4211207c-890e-4eb5-b256-3657b8caefd6 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 5cdaf776-0a43-4726-8051-8ea0c47895fb XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX f9b38855-7347-e611-86f5-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 35f227ab-642b-e711-90c0-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification agreement in file dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  9830351c-180c-4c0f-b19c-11ffcb6af671 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  3220dbc9-4f76-4314-baad-77f6fb06a968 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  cf6f83b9-5b4d-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  0f0ab531-70af-4547-8051-0b2eb238afba XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence   01/13/14 – Client supplied a system record date for the Disbursement Date field.  
 Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  747ee095-d0bc-4365-8201-65558039d55a XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  db5ab390-f82a-4140-8306-82564d644b3c XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  46d3c846-9e4c-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  bb3d7912-cfb7-4657-a489-2a3924710fd6 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  e46cd0c0-8bad-4e0a-8263-66b8cfd64f32 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  c0de57c4-1c4c-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  e12ffcf8-c74a-440e-83cb-197a063c24d8 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  3663dcb8-fd86-4a74-9b72-ef9d55bbc8ee XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  b03bf42b-c791-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  13763f52-c891-e311-8ed7-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  39fc09bf-807c-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  90cda975-3049-447d-b8ae-21c7a05044c4 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  490c3bef-6c99-4f9f-b3e2-c7a63d6056f3 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  2495fc8a-eb77-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  66e5b0ec-ed77-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  9ddb2c57-4980-e311-b68a-d8d385e0a8b2 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  c2cf3bbf-9dd0-4d74-8939-d1610ef0a19f XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  d5a2b291-3b1f-4d71-b468-befb3cfa0e4c XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  72ce8a73-e555-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1dd88bfb-e29e-4ae6-bffc-a372e59ef9a9 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 2150dc6b-ab02-40e8-9b43-9dac159900f8 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX b74b7dc8-5284-e411-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 28eaa93b-ff45-4ed3-9b76-cad5ecd084f7 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 87f1f7e3-9fe2-4a0e-acae-7e683562460c XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 2a339948-d486-e411-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 91036657-68c8-4f3d-9f34-f922e057cd44 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX dd71c8d7-2cb3-403a-8abb-64db294f1d09 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 0ca2ed91-077c-e511-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX db627a94-ad84-44c0-9cff-0b891c49ce1b XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 6d366755-1e4d-4599-becd-d42af51a1db8 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 8ad41baa-0b07-e611-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  143fdf21-a180-42fe-8c7b-99c53996c981 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  5d65c22d-dfde-42c2-a447-d6af0dbf1982 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  df6736db-e75b-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  6aca7436-ac8a-e311-8ed7-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a9303d0f-0b95-4b22-acd6-0b637a6a725c XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 28b1c242-0de4-4e29-9e2c-89ed3ec8fa2b XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 1a015f10-821e-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX fa20fb94-831e-e511-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  da6ea3be-9b8d-43ed-bcc2-e702f6ba3961 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  bf8cc6ed-deaf-4a07-958a-c326e336cc24 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  5e10911f-0b77-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  73e9de47-6679-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  c95128d5-8d26-449c-a9dd-87f7f715eb11 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  aadf6995-45d8-45d7-80ea-0e9ced881cc4 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  e4136bd9-147e-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  2b14e569-2361-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX edf47779-b63f-4efa-832c-814464afc900 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX bd29e9ab-f763-4fae-95a9-e47e53c36d9c XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 85bb595d-dfae-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 81a2dca8-a7b5-e311-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3c51ed48-ba52-e511-8d38-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 29553652-1acd-4115-b6b3-267859b5fecc XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 4355aa28-f9f9-440e-9235-5fd26e26a7f9 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 5ad5fda2-b852-e511-8d38-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  ebd16a9d-b9e9-49b0-96a0-80c148170d5a XXXX 5 Compliance   3 day rescission period not provided       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  32cf588b-de5d-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  cc2bc95d-208d-e311-8ed7-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX edf0e4f7-7085-e411-8daf-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 39e902ed-07e1-49ae-99f7-fdd03dfdb923 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 3527527b-b836-47cf-bbc0-1ca622625840 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 57938bcd-2782-e411-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2b8a7e59-7085-e411-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX d5971ab5-7728-4b6e-ac52-93c3b23b237f XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 62f6304a-2ceb-4c81-abe3-bf04b399d347 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX fe075215-8449-e611-86f5-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5b4ede82-cf64-44fd-bed4-07583732cd26 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 914a5a0f-395b-e611-86f5-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4304ccf4-ad2d-46c5-8de3-bed26d8bcd10 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 75736e8b-be44-e611-86f5-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 34f8d069-c31b-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2156bd73-f93e-e511-8d38-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification Missing modification agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX eaa85486-ca1b-e511-8daf-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form ROR in file reflects transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The disbursement date provided by the lender was XX/XX/XXXX, borrower was not provided 3 full days to rescind.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  dba5b653-20aa-4700-bd6b-bf871ffdf69f XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  8dbe3d51-bb7c-e311-b68a-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  0286da41-071c-4643-a4c1-ad2e569ee660 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  0616b2b7-d661-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  b56baebc-c866-43d6-9bd4-2481e4343c6f XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 10 days < 15 day minimum grace period allowed by the state of XXXX.   CGCEP Title 12 Sub 10, CLA ACM – late fee acceptable Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
  592b17fa-b87c-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed     Information from Client regarding Business Relationships confirmed no Affiliate Fees to be included in Compliance Testing. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 3b8fedeb-8da4-476f-a4ea-1efc9fe45f0a XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 8cee8b0a-5053-4b2b-848c-8e8dd7afbfe0 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 621f3896-cb06-e611-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX cb6da80c-672a-414f-a6f7-90539474d755 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds     CGCEP Title 12 Sub 10, CLA ACM – late fee acceptable Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
XXXX 4336c0f7-cc06-e611-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.

     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX af017fa2-732b-e711-90c0-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification Missing loan modification agreement in file dated XX/XX/XXXX.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  ead47622-9c6d-4c05-9ab5-b9df7e97fdb0 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  72859ff3-636e-e311-b68a-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  58068f84-17b4-4918-b3c5-9e5d746270c3 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  7c9d9ff5-b464-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  b9a3aa4a-b864-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.
     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  e93e1fa5-c0ee-4056-91b1-61fe59bf8cc3 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  3902fbeb-219c-442a-8607-65bd989c2dd1 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  12dfba58-0777-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  17696f81-907f-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  e47dde97-0877-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 50b873b4-c040-e511-8d38-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification Missing modification agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 64c9ca5b-cc5a-4233-8fa1-df3196f43ceb XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 30e9cefc-c6a7-40d8-8af2-92ae8231cdf3 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX b377c687-363e-e611-86f5-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4beb3385-a273-4d72-b36a-488176c5581c XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX d43c2f2c-a070-4c76-be84-bbf8d69cb94b XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX c30e7ef6-6114-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6f9025a5-4115-e511-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX a34c3a26-4215-e511-8daf-d8d385e1d166 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX aa69b2e2-1b64-48e0-a1d8-1099bc895eeb XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 574974ca-de35-e511-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 52a147d1-f64b-4778-9d24-6f8b97105cd1 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 8a90fd72-da35-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6bb80069-5a09-43d6-84f3-896abe1d1d68 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX c5c026bb-50b9-48c6-aa78-0f4f2713b0b5 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 4600a6e1-e542-e611-86f5-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 891c7cab-1271-e611-9c05-d8d385e1d166 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 01031f05-7662-4373-8df0-f1cf3f21800e XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX fe81e6df-f836-4acf-8ea4-e3b2db52c968 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX a90582b8-5b74-e511-af87-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  35faa3a7-f269-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  429cdc9e-167a-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX c97fd6ae-8742-43b9-bc21-d2c2239c1183 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX d3c097d9-3a42-432b-871d-8d76edc894cf XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX cea9e35d-ee9c-e511-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ee44926c-ee9c-e511-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  87951041-5395-4ba3-8c95-5071012ad42a XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  836c7ef1-70f0-40c4-8f73-c9e9f3b637d2 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  bd87d9e6-fb93-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  28058592-fd93-e311-8ed7-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  8d7b77d1-e897-e311-8ed7-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  f2624d08-e628-410a-b0ed-cced9cc4b782 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  2aeff9e9-fc67-e311-b68a-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  589302f8-4e1d-483a-b9fd-ce8d0479e270 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  ffbc02c1-fa67-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  88849a98-ef85-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX f65f3e60-d036-e511-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Borrower.  Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6a08351a-0f36-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  05e44eea-1074-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   1/16/14 – Client supplied a system record date for the Disbursement Date field.
 Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  01dbbf30-2eb1-41fd-aeb1-d694716abe85 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  e33e9790-4668-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  6b131155-5672-e311-b68a-d8d385e0a8b2 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.

     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  fbd0409c-9771-47a6-a33c-7cd8d0f0fb64 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  381cf65e-de33-4fa5-ad55-f8882c5c3a61 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  57faf777-df91-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  8f732640-7966-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  8f4ffd1a-e782-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.   10/08/14 – Cleared Documents provided by Client. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
  80239dcb-b230-e711-bbc0-f4e9d4a75ba2 XXXX 2070 Compliance   Missing Loan Modification Missing modification agreement dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  02ffb4a6-e782-e311-b68a-d8d385e0a8b2 XXXX 17 Compliance   State High Cost Loan not compliant Points and fees exceed state threshold.  $X,XXX.XX > $X,XXX.XX, the maximum Points and fees permitted, by the State of XXXX.  Points and Fees in excess of 5% of Loan Amount or $X,XXX.XX.   12/10/2015 - Cleared - Application Date: XX/XX/XXXX Discount Points reflect a meaningful reduction in rate: YES XXXX% Contract Rate – XXXX% Note Rate = XXXX% Reduction in Rate.  XXXX% Reduction in Rate / XXXX% Discount Pts. Charged = XXXX Reduction per Discount Pt Charged.  Discount points bona fide based on Original Part 41 definition. Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
XXXX 2500b483-2471-e611-9c05-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  2184addc-326f-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  e6ffa444-fb74-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  e86ba13c-dce4-4e47-bbcb-16f6f09ad72c XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  7073755a-be05-4f99-bdd7-f750c7e55fad XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  969c5596-6592-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  28639711-9708-4cb8-9ce6-71ab3976206c XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  a4b24009-db19-4536-bb44-102fee9a7d7b XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  806a5a34-087e-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  bfe5a844-8b53-e311-b68a-d8d385e0a8b2 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H9) for a New Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0472b494-1d08-4173-84a1-934531da3226 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 3d0154fd-7ef0-4bdc-a02e-83502230c539 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 43225237-1039-e611-86f5-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9681b51c-f881-4f7d-9b66-5e82ec3f7109 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX e7e0de0a-a6dc-4e63-99e9-cdac9e15910a XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX cffcfaa1-eab0-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 85a62073-28fa-e311-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 417e2348-594d-45b9-bc2a-eaf501244b51 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX e81dbaa0-0e3a-462d-aa22-c7032237281a XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 6369d424-211b-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 618014e0-661b-e511-8daf-d8d385e1d166 XXXX 1739 Compliance   Missing Mortgage Mortgage in file is missing pages 2 and 3.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 9cf35ba9-f84b-4ae4-8d7c-ecbfc407ffd7 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 976fce96-d21e-421d-aab2-1b85ece8a613 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 257f4374-fd1b-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5ab0de65-ff1b-e511-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 24ce0ac7-2e50-4b55-92df-11b2e3b7dc1b XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 795066e8-2f3b-49fe-ad6d-6fbf82401172 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 4f0e9b4b-30b1-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 46fa5d14-31b1-e311-8ed7-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for the comparables.
Appraisal in file is dated XX/XX/XXXX, exceeding the 6 month industry age standard.  The subject loan closed XX/XX/XXXX.
     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  c2a1a65f-1cd7-4c3a-a3f2-2cb2df2fdfd5 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  f94f5a76-5d6f-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  5e8661fc-7478-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  0b9c0c22-4c84-e311-b68a-d8d385e0a8b2 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  b208ad56-606f-e311-b68a-d8d385e0a8b2 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  f8cfdcf4-5772-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  4b237c0b-9b39-4d6e-ac6d-2db3ae47c3cd XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds     Late Charge permitted Under AMTPA (Alternative Mortgage Transaction Parity Act) Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
  03ec6b84-cd77-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  73d9a300-4e67-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   01/15/14 – Client supplied a system record date for the Disbursement Date field.   Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  9147c522-98a9-479e-b852-16d944c8a801 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  21bb46ba-3658-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  8dc7070b-a0d9-4dbe-b013-97726b3238a3 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds     Late Charge permitted Under AMTPA (Alternative Mortgage Transaction Parity Act) Cleared 3 1 C A C A C A C A C A Y Final HUD used for testing
  82f17a01-3958-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  6084fca2-266c-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed     Information from Client regarding Business Relationships confirmed no Affiliate Fees to be included in Compliance Testing
 Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  61a720aa-266c-e311-b68a-d8d385e0a8b2 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  706d1666-bf5d-4e03-9eae-5f5f65a457d7 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  468d2129-2111-4571-bace-b8378ae5202b XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  1694b17b-7561-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  50d4fd7e-7761-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  859e17d6-50c8-4aec-8c0d-29d4567ca722 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  5b7af544-2367-4d30-8fca-e4cf46775174 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  4dba02a1-4263-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  21faf4d2-b268-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for the comparables     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  213a0b1a-b37f-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed     Information from Client regarding Business Relationships confirmed no Affiliate Fees to be included in Compliance Testing Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  a718dcda-714f-475b-ad03-e395149921f2 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  b59f20f0-5209-4fdb-9bc2-0aa8bf0c6ab6 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  e26d43b8-d063-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  f0ab7d6c-d363-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  d1cd4269-ef2d-43e2-b2d3-27568e760591 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  03ed05fe-81ef-4dd0-846d-e5b64d5b2f19 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  7651c925-1393-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  a8b124c7-ce52-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d5df2bc3-d2fa-e611-9e79-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 80d991e8-d2fa-e611-9e79-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c7b04455-d1fa-e611-9e79-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX fce6d496-d1fa-e611-9e79-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX e023e28a-d3fa-e611-9e79-d8d385e1d166 XXXX 1792 Compliance   Missing Note Rider/Addendum Missing Arbitration Agreement.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 81d991e8-d2fa-e611-9e79-d8d385e1d166 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  45b544c3-bd69-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.   1/13/14 – Client supplied a system record date for the Disbursement Date field.
 Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  1de58951-c458-42f7-9c11-063cfe31f73c XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  f2f66e8c-9bec-4c00-ae12-1a2f7b5bc6fa XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  a2261c88-0c61-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  853001cb-bd69-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
  37f8b6b8-bd69-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed     Information from Client regarding Business Relationships confirmed no Affiliate Fees to be included in Compliance Testing Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 32bfd462-b99c-4c63-91c4-397fcc45c5bd XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 00fbda1e-abc8-436c-939c-5d7b79235cf0 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 4cc17244-65b3-e311-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 65e23ae2-e9b4-e311-8daf-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX cc229c5b-d6fa-e311-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  f9a10f65-c277-e311-b68a-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence   12/05/13 – Client supplied a system record date for the Disbursement Date field Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  b9287313-5e5c-4123-8454-a303bd57de22 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  4e399f75-e8b5-4608-824d-0068f2c5ebb8 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  049cb7f2-c962-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  d31614fa-cb62-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed     Information from Client regarding Business Relationships confirmed no Affiliate Fees to be included in Compliance Testing Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  b23fccb5-09ed-4046-be7a-22c1f07c51f3 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  10aad3c3-f73b-4bad-8a5a-baceea38be5b XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
  45681353-8a63-e311-b68a-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  1f34f57f-3a93-e311-8ed7-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  7465471d-3b7d-e311-b68a-d8d385e0a8b2 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed     “Information from Client regarding Business Relationships confirmed no Affiliate Fees to be included in Compliance Testing” Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX e1706357-a655-44ef-802d-51891917f853 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX a696640a-067f-4d73-bbf1-0d5d24f2bc59 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 1ea73260-02b1-e311-8ed7-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 58ba0d4b-4549-427d-9e86-d1cc190d2898 XXXX 1587 Compliance   APR Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 6cb70c0a-b43b-e511-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 620af008-7738-4aca-bf5f-50df2edea42f XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX ad032583-c139-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
  15f271e3-8a5c-e311-b68a-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 951899c1-a529-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 28cdb6c7-23f5-4355-a7e5-a1b9a9482df5 XXXX 1586 Compliance   Finance Charge Under Disclosed       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 88c2675e-6826-e511-8daf-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 264193ea-8934-e511-8daf-d8d385e1d166 XXXX 2070 Compliance   Missing Loan Modification       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c8d201dc-362a-e511-8daf-d8d385e1d166 XXXX 2803 Compliance   Rate Roll Back Loan – Amount Financed underdisclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5a81fd2f-402a-e511-8daf-d8d385e1d166 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incomplete ROR form. ROR in file is not dated by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 02b8f29d-edf4-e511-99e0-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 00589cae-edf4-e511-99e0-d8d385e0a8b2 XXXX 1692 Compliance   Missing Evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5bfe682d-5430-e711-bbc0-f4e9d4a75ba2 XXXX 1694 Compliance   Missing Loan Modification Missing loan modification agreement in file dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 21690fb3-eaf4-e511-99e0-d8d385e0a8b2 XXXX 6 Compliance   Right to Cancel form not properly executed The Lender utilized an incorrect ROR form (G5) for a Same Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8378968d-9fe8-e611-9e79-d8d385e1d166 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8478968d-9fe8-e611-9e79-d8d385e1d166 XXXX 1601 Compliance   HELOC fees not properly disclosed Loan file does not contain a disbursement statement or HUD-1 for complete Compliance Testing.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7b9309f6-a1e8-e611-9e79-d8d385e1d166 XXXX 1637 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables and additional supporting pages.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 0d071799-9fe8-e611-9e79-d8d385e1d166 XXXX 2360 Compliance   Missing Early HELOC Disclosure Early HELOC Disclosure is not properly dated, therefore cannot be verified as being sent within 3 days of application as required.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a34a8ead-9fe8-e611-9e79-d8d385e1d166 XXXX 1692 Compliance   Missing Evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1fc94ab5-9fe8-e611-9e79-d8d385e1d166 XXXX 1636 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c51c3fbe-9fe8-e611-9e79-d8d385e1d166 XXXX 2368 Compliance   Missing HUD-1 HELOC - compliance testing incomplete Although the regulation does not require or implicate a comparison of what was identified in the HELOC agreement to what was actually charged to the Borrower, there is a requirement of disclosure.  The file does not contain a Disbursement Itemization or HUD-1 to complete a comparison of fees identified on the HELOC Agreement.  Compliance testing is incomplete.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 2d5c516e-5330-e711-bbc0-f4e9d4a75ba2 XXXX 1694 Compliance   Missing Loan Modification Missing loan modification agreement in file dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX cc4f068a-5ccf-43cc-91f4-8c7da895b2c3 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b8b0512d-eb0a-e611-8544-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX df7c0de4-106c-419d-8dbf-e9357c0c8908 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 4e5c6f2f-b7b0-45db-88a3-f32a23b57047 XXXX 1587 Compliance   APR Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e301419d-affc-465c-8330-f42246842443 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX f0ec606f-5086-e611-98c2-d8d385e0a8b2 XXXX 1922 Compliance   Monthly MI Premiums are not Properly Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a28b432f-51c9-e611-9c03-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2a41c33f-ea78-4920-a8a6-6175a8adf428 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX ebec55d0-01c6-e611-9c03-d8d385e0a8b2 XXXX 2111 Compliance   Missing critical documentation needed to complete compliance testing     12/23/2016 Cleared- Documents received from Client.  Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX a38b432f-51c9-e611-9c03-d8d385e0a8b2 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX dfe46595-1118-4500-917e-1504d88e7718 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% > 2% maximum late fee allowed by the State of New York.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 6a31f9d7-bf84-e611-98c2-d8d385e0a8b2 XXXX 60 Compliance   Document Error File is missing MI cert.      Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX c44d1592-3385-43c6-ab38-ac25f73b08ee XXXX 1586 Compliance   Finance Charge Under Disclosed     XXXX Insurance Law 6503(a) O.G.C Opinion dated XX/XX/XXXX allows the lender to assess mortgage insurance based on the fair market value, in this context it is the appraised value and not the purchase price. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 7ece4e44-29d7-46fb-94fe-19455f81a452 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% >2% maximum late fee allowed by the State of New York     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 1a8518ff-9308-e611-8544-d8d385e1d166 XXXX 1922 Compliance   Monthly MI Premiums are not Properly Disclosed     XXXX Insurance Law 6503(a) O.G.C Opinion dated XX/XX/XXXX allows the lender to assess mortgage insurance based on the fair market value, in this context it is the appraised value and not the purchase price. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 1bc1bb4c-8036-40a2-94ca-e188233d0937 XXXX 1586 Compliance   Finance Charge Under Disclosed       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e4f1825a-f931-4627-a85a-03edf7ad123e XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% > 2% maximum late fee allowed by the State of New York.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 215a3703-320e-e611-8544-d8d385e1d166 XXXX 1922 Compliance   Monthly MI Premiums are not Properly Disclosed     XXXX Insurance Law 6503(a) O.G.C Opinion dated XX/XX/XXXX allows the lender to assess mortgage insurance based on the fair market value, in this context it is the appraised value and not the purchase price. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 79d1ff03-c157-4c33-afdd-32e7333d55ea XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% > 2% maximum late fee allowed by the State of New York.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 3b853d69-e1ee-4ad1-b8f7-0ff7ac6189eb XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% > 2% maximum late fee allowed by the State of New York.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 90de5f6e-b890-e611-98c2-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 076e1152-cf1f-47f2-b559-e59ca011836f XXXX 1586 Compliance   Finance Charge Under Disclosed     XXXX Insurance Law 6503(a) O.G.C Opinion dated XX/XX/XXXX allows the lender to assess mortgage insurance based on the fair market value, in this context it is the appraised value and not the purchase price. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX f208b292-e5ae-4978-b810-cd95b52cb0b4 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% > 2% maximum late fee allowed by the State of New York.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 4c3a8525-6aec-43c5-9578-945d0d1647a2 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% > 4% maximum late fee allowed by the state of North Carolina.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
  657fbd5a-10f0-e311-8daf-d8d385e1d166 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B N Final HUD used for testing
  0e336f91-10f0-e311-8daf-d8d385e1d166 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B N Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 0b7bfb0b-5919-e611-86f5-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8c401b9e-5919-e611-86f5-d8d385e0a8b2 XXXX 1925 Compliance   Failure to obtain Initial Application (1003) Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the highest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2b154b86-5919-e611-86f5-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 99183e90-5919-e611-86f5-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 16947f77-a81a-4038-89b9-f4f5841bf813 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ab511aa1-7cc3-47c3-9e91-27f1e70918aa XXXX 1692 Compliance   Good Faith Estimate not provided within 3 business days of application date. Initial application in file is dated  XX/XX/XXXX and GFE in file is dated XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6c871f2d-a347-4804-9899-ce6fd4173c7d XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $X,XXX.XX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c5064082-1f24-e611-86f5-d8d385e0a8b2 XXXX 1921 Compliance   Invalid Fully-Indexed Rate Used for Future Payment Streams       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9ebaf8e4-5c8d-4a24-a681-9d808de13043 XXXX 1925 Compliance   Failure to obtain Initial Application (1003) Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the highest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX%  from XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d73d9626-f61d-e611-86f5-d8d385e0a8b2 XXXX 2119 Compliance   Failure to Provide Good Faith Estimate       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 8b3e76a8-f2e1-4c37-ac17-7060ff53400b XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 6c34d080-ad90-4ae5-bd86-624e150ffa41 XXXX 5 Compliance   3 day rescission period not provided ROR in file reflects transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. Loan notary date was XX/XX/XXXX borrower was not provided 3 full days to rescind.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1a285615-bd1e-e611-86f5-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX b6716ae9-a122-e611-86f5-d8d385e0a8b2 XXXX 1925 Compliance   Failure to obtain Initial Application (1003) Missing Initial application required to determine Lender of Record date for compliance testing.  Client Specific - Loan passes rate threshold testing when utilizing the highest US Treasury Rate from 6 months prior to the Note Date. The US Treasury Rate used in testing is XXXX from XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5a4be716-a222-e611-86f5-d8d385e0a8b2 XXXX 2119 Compliance   Failure to Provide Good Faith Estimate       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9633279a-9722-e611-86f5-d8d385e0a8b2 XXXX 2118 Compliance   Failure to Provide Final HUD-1 HUD in loan file is not signed/stamped true and certified. Compliance testing utilizing this HUD passes compliance. Additional findings may occur upon receipt of signed Final HUD.      Active 3 3 D D D D D D D D D D Y Tested with alternative docs.
XXXX 4f940221-1ffb-4192-8a6b-b7ab77e3db2c XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d9723aef-2ace-4cbf-90e3-8db202a16bc5 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% > 2% maximum late fee allowed by the State of New York.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 68caf785-26c7-4f3b-af92-b5a957c7160e XXXX 2119 Compliance   Failure to Provide Good Faith Estimate       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e9b283b0-df26-e611-86f5-d8d385e0a8b2 XXXX 2119 Compliance   Failure to Provide Good Faith Estimate       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5caa16cc-da50-44b0-8aad-e5caa6ccfb46 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 341dc257-de26-e611-86f5-d8d385e0a8b2 XXXX 1571 Compliance   Incorrect rescission model – Same lender refinance requires form H-9 The Lender utilized an incorrect ROR form (H8) for a Same Lender Refinance.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 02aee2f4-df26-e611-86f5-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX f100e703-e026-e611-86f5-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX be395767-5a27-e611-86f5-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a1dd6bd5-6527-e611-86f5-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 15e7566e-6527-e611-86f5-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX ff00e605-1628-e611-86f5-d8d385e0a8b2 XXXX 1925 Compliance   Failure to obtain Initial Application (1003) Missing Initial application required to determine Lender of Record date for compliance testing.  Client Specific - Loan passes rate threshold testing when utilizing the highest US Treasury Rate from 6 months prior to the Note Date. The US Treasury Rate used in testing is XXXX from XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 754a6cf2-6527-e611-86f5-d8d385e0a8b2 XXXX 2118 Compliance   Failure to Provide Final HUD-1       Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX b064cf10-6627-e611-86f5-d8d385e0a8b2 XXXX 2119 Compliance   Failure to Provide Good Faith Estimate       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 676b1427-6627-e611-86f5-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 16e7566e-6527-e611-86f5-d8d385e0a8b2 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 4e83de4b-3bcd-45c3-94a2-db71265099ac XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 376d6b46-bfda-40e3-bca8-306a9cc25b6b XXXX 5 Compliance   3 day rescission period not provided ROR in file reflects transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. Loan notary date was XX/XX/XXXX borrower was not provided 3 full days to rescind.      Active 2 2 B B B B B B B B B B Y Tested with alternative docs.
XXXX d80dbc45-8726-e611-86f5-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in file is not signed by all persons with a vested ownership interest in the property.     Active 2 2 B B B B B B B B B B Y Tested with alternative docs.
XXXX d8e64e8b-8826-e611-86f5-d8d385e0a8b2 XXXX 2118 Compliance   Failure to Provide Final HUD-1 HUD in loan file is signed however is marked as estimate.  Compliance testing utilizing this HUD passes compliance.  Additional findings may occur upon receipt of signed Final HUD     Active 3 3 D D D D D D D D D D Y Tested with alternative docs.
XXXX 5d9fe540-f1aa-4d3f-a276-2274b3be61fe XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XX.XX,     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 73d562de-6123-e611-86f5-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a09d2392-485d-40b9-84fd-0c74f22b93c8 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Tested with alternative docs.
XXXX d2998a17-2329-e611-86f5-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 5c9c7751-2229-e611-86f5-d8d385e0a8b2 XXXX 1925 Compliance   Failure to obtain Initial Application (1003) Missing Initial application required to determine Lender of Record date for compliance testing.  Client Specific - Loan passes rate threshold testing when utilizing the highest US Treasury Rate from 6 months prior to the Note Date. The US Treasury Rate used in testing is XXXX from XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX b814744d-2329-e611-86f5-d8d385e0a8b2 XXXX 2118 Compliance   Failure to Provide Final HUD-1       Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX 5d9c7751-2229-e611-86f5-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX 264f765d-2229-e611-86f5-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX da282321-2329-e611-86f5-d8d385e0a8b2 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 3e65b49a-3529-e611-86f5-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6d733a95-cf72-4e98-90ae-3d91792ae223 XXXX 1925 Compliance   Failure to obtain Initial Application (1003) Missing Initial application required to determine Lender of Record date for compliance testing.  Client Specific - Loan passes rate threshold testing when utilizing the highest US Treasury Rate from 6 months prior to the Note Date. The US Treasury Rate used in testing is XXXX from XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 94f72e50-e229-e611-86f5-d8d385e0a8b2 XXXX 2119 Compliance   Failure to Provide Good Faith Estimate       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e1d90013-fc2f-4528-89ff-614b1371cd77 XXXX 1692 Compliance   Good Faith Estimate not provided within 3 business days of application date. GFE in file is not dated and therefore unable to determine if it was issued within 3 days of initial TIL date.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX bb2d36ba-7b6d-e811-931d-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD. 6/28/2018: Lender Provided the FINAL HUD. 6/28/2018: Lender provided the final HUD.  Exception cleared. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX d2a29176-5c51-4302-884d-fbb7c8e51863 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX ec9db1e9-7c6d-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is Missing.          Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 9aa7c8fa-7c6d-e811-931d-f4e9d4a75a52 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 71fc6711-7d6d-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application Missing Final Application
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4218b740-5e72-e811-931d-f4e9d4a75a52 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9ac37882-f373-e811-931d-f4e9d4a75a52 XXXX 2070 Compliance   Missing Loan Modification     7/18/2018- Signed loan modification agreement in file, condition cleared. Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 8302024e-3173-e811-931d-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 HUD in loan file is not signed by the Borrower nor certified by the title company.  Compliance testing utilizing this HUD passes compliance.  Additional findings may occur upon receipt of signed Final HUD.  06/28/2018: HUD provided 06/28/2018: Lender provided Final HUD . Exception cleared. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX 927f2e19-3273-e811-931d-f4e9d4a75a52 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3c1e221a-e673-e811-931d-f4e9d4a75a52 XXXX 2070 Compliance   Missing Loan Modification MOD agreement missing from file     Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX e55c7565-f76b-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX c52fe62c-9169-e811-931d-f4e9d4a75a52 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b6bbab2b-4770-e811-931d-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD. 6/28/2018: Lender provided the final HUD. 6/28/2018: Lender provided the final HUD.  Exception cleared Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX b7bbab2b-4770-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 2e9d4118-4770-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application Missing Final Application     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6c916c6f-6573-e811-931d-f4e9d4a75a52 XXXX 48 Compliance   Missing Affiliated Business Disclosure Missing Affiliated Business Disclosure     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6b916c6f-6573-e811-931d-f4e9d4a75a52 XXXX 1733 Compliance   Missing Initial Truth in Lending (Lender Disclosure) Missing Initial TIL     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5d80e177-6673-e811-931d-f4e9d4a75a52 XXXX 2174 Compliance   Missing Rate Lock Agreement Missing evidence of original lock date. Compliance testing will need to be reviewed once received.      Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 6d916c6f-6573-e811-931d-f4e9d4a75a52 XXXX 1665 Compliance   Missing Special Information Booklet / Home Loan Toolkit Missing Special information booklet     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX efab237d-d9e0-4793-b6db-f18509cfd305 XXXX 1696 Compliance   Servicing Disclosure Statement not provided within 3 business days of application date. The Servicing Disclosure Statement in the file is dated XX/XX/XXXX and the original application date is XX/XX/XXXX.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c5c6452a-9870-e811-931d-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD.
 06/28/2018: Lender provided Final HUD. 06/28/2018: Lender provided Final HUD. Exception cleared. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX c6c6452a-9870-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e11a544a-88f8-43ba-b77c-d8ee7f205116 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.
     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX a5bea82e-9670-e811-931d-f4e9d4a75a52 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration Loan is Subject to Mandatory Arbitration.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 18cdd91c-9970-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is Missing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX f091b781-ed7b-41c1-a9b0-755401357aa4 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6399ea1e-210c-4d78-9d57-fa537076fc60 XXXX 1741 Compliance   Missing Final Application Missing Final Application
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6fe397eb-8cf4-4a5b-8121-4ae2dc4efcd0 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX due to the Lender not including Title Courier fee.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ad67f367-e36f-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.

     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX a8669f39-436f-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application Final Application missing page 3.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1fcb701e-e66b-e811-931d-f4e9d4a75a52 XXXX 2151 Compliance   Missing mortgage insurance certificate Missing mortgage insurance certificate

     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 421c1aa6-ed6b-e811-931d-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD.     Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX 431c1aa6-ed6b-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX e5fc100a-ee6b-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX f1680255-ee6b-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is Missing.     Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX df298f86-ee6b-e811-931d-f4e9d4a75a52 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.
     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 5d0609a2-ee6b-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application Missing Final Application
     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 3b043ab5-ee6b-e811-931d-f4e9d4a75a52 XXXX 2070 Compliance   Missing Loan Modification MOD agreement missing from file     Cleared 2 1 B A B A B A B A B A Y No testing able to be performed.
XXXX d64a6ce9-076b-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX e610a4d6-076b-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX d74a6ce9-076b-e811-931d-f4e9d4a75a52 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX bec656f4-076b-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application Missing final application.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 051a0fea-cbbb-423a-9572-21d9ea54e02b XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $X,XXX.XX. Unable to determine the reason for the under disclosure due to missing itemization      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 679f5894-5073-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 7c5dea71-f973-e811-931d-f4e9d4a75a52 XXXX 2070 Compliance   Missing Loan Modification       Cleared 2 1 B A B A B A B A B A Y Final HUD used for testing
XXXX 7309c1fe-d373-e811-931d-f4e9d4a75a52 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms Payment Streams do not reflect the Note Terms. It is unclear the source of the payment stream variance due to missing documents.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 50ce9fcf-4673-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is illegible.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 775c1b4a-4373-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing is XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 89c6ceff-6d6d-e811-931d-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete.   Additional findings may occur upon receipt of Final HUD. 06/28/2018: Estimated HUD provided. 06/28/2018: Lender provided estimated HUD. Exception remains. Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX f32c142c-1073-e811-931d-f4e9d4a75a52 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration Loan is Subject to Mandatory Arbitration.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 00821610-1673-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is Missing.        Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 01381913-526b-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 642c85ab-3d6e-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 093bc6d0-6766-4684-8fb6-92cf07a216a4 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX f78c79b0-6b79-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 879e2d8a-bb7b-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0983672b-d1a2-474b-9b05-f2a34fc147b1 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX c98e8287-2e76-e811-931d-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 HUD in loan file is not signed by the Borrower nor certified by the title company.  Compliance testing utilizing this HUD passes compliance.  Additional findings may occur upon receipt of signed Final HUD.      Active 3 3 D D D D D D D D D D Y Tested with alternative docs.
XXXX fcfcac9d-7c7d-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application Missing Final Application     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX b039c5a2-faa7-46da-8c26-dcc4ffbc9331 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 41c8fccb-1d7e-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7cb602dd-b6ea-4690-ae99-8aaf27793784 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.

     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX f13c1998-e116-4e7f-84d3-b69b3e903240 XXXX 1742 Compliance   Missing Appraisal Appraisal is Missing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX e56f4ae8-ef06-4894-9c1f-30c69980b1bd XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.
     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 28071010-e337-e911-bd2f-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD - Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.

   03/28/2019 – Cleared – Document received by Client Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX 29071010-e337-e911-bd2f-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ca977738-e137-e911-bd2f-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Initial application required to determine Lender of Record date for compliance testing. Client Specific - Loan passed rate threshold testing when utilizing the lowest US Treasury Rate from 6 months prior to the Note Date.  The US Treasury Rate used in testing was XXXX% from XX/XX/XXXX.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX b49f9884-e537-e911-bd2f-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application A final application for the subject transaction was not provided.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 745d0620-e537-e911-bd2f-f4e9d4a75a52 XXXX 1792 Compliance   Missing Note Rider/Addendum Note is missing from the file.       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 0aeb115e-ff70-4be4-bc05-1ba16371714c XXXX 5 Compliance   3 day rescission period not provided Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX.  The loan disbursed on XX/XX/XXXX - not giving the Borrower a full 3 days rescission.       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e75bbd19-1640-4ef4-a6c6-362ceea68c50 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX b5b401d8-2ad7-e511-99e0-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1f748d09-9b2c-47a5-a00c-c2a5a0e56cef XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX f00793af-79d6-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1d27e00c-9adc-e511-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX bbf92dd1-92cb-4a5b-8083-1ed769024de0 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a7752f2a-9bdc-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3c65fac6-fddf-e511-99e0-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX fcb28cbd-fddf-e511-99e0-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9f31b3ce-78df-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX bddfb915-fb43-4a63-950d-0b1fca607d9f XXXX 1587 Compliance   APR Under Disclosed APR Under Disclosed by XXXX% due to incorrect payment streams on final TIL. Final TIL reflects payment streams for a 40 year fixed rate. Loan is a 3 year ARM per note.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX cd72cc08-75f7-433a-808c-8ccfcae4b4b5 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $X,XXX.XX due to incorrect payments streams on final TIL. Final TIL reflects payment streams for a 40 year fixed rate. Loan is a 3 year ARM per Note.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 98323e1c-24df-e511-99e0-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application Final application was not provided.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1d337858-c6dc-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5906ab08-fdd9-e511-99e0-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0cdc5c11-817e-4231-8ffa-a64532eb5a7f XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d8c1ddd6-fcd9-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms Final TIL reflects payment streams for a 40 year fixed rate. Loan is a 3 year ARM per Note.

     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e9905c95-c0df-e511-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e7461680-c0df-e511-99e0-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application Final loan application is missing from loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 740e04cb-dd14-4cf1-919d-6fd7097eb71e XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 32eab83a-4023-4ee4-99e6-2a6076c92f2b XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX fc1d4329-8c7e-4566-be67-049862d191c9 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 23d02567-d3d6-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9c7e245d-33d7-e511-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 7db88fa3-d8dc-e511-99e0-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX fdae5046-33d7-e511-99e0-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 501a8456-3fed-4887-91ea-ac8c73468c21 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 7 day < 15 days required grace period permitted      Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 3ccec6d3-7ee0-e511-99e0-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval Loan approval not in loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3cbd2aea-7ee0-e511-99e0-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application Final application missing from loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX d3f5692c-4ae5-e511-99e0-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is missing page 2.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7ee0089f-31e2-e511-99e0-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ddd8f322-0fea-e511-99e0-d8d385e0a8b2 XXXX 3140 Compliance   584 - Final Title Report Missing       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 6960698a-7387-49d4-8b9e-74b9df0b0ac8 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 10 days < 15 days required grace period permitted by the state of XXXX.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX b25c50c6-0eea-e511-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 281b3932-0eea-e511-99e0-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b1c557c0-0dea-e511-99e0-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 61d175c1-3ee3-e511-99e0-d8d385e0a8b2 XXXX 2471 Compliance   584 – Final Title Report Missing       Active 3 3 D D D D D D D D D D N No testing able to be performed.
XXXX e1dd0559-3fe3-e511-99e0-d8d385e0a8b2 XXXX 1 Compliance   General Compliance Exception Loan file is missing Initial 1003 and/or evidence of Lender of Record Date to complete Compliance Review     Active 3 3 D D D D D D D D D D N No testing able to be performed.
XXXX a14fcec8-3ee3-e511-99e0-d8d385e0a8b2 XXXX 1644 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D N No testing able to be performed.
XXXX 61a1d5dc-3ee3-e511-99e0-d8d385e0a8b2 XXXX 2360 Compliance   Missing Early HELOC Disclosure       Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX e1534be9-3ee3-e511-99e0-d8d385e0a8b2 XXXX 1692 Compliance   Missing Evidence of Loan Approval       Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX 41669ef6-3ee3-e511-99e0-d8d385e0a8b2 XXXX 1636 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX 01b67005-3fe3-e511-99e0-d8d385e0a8b2 XXXX 2368 Compliance   Missing HUD-1 HELOC - compliance testing incomplete Although the regulation does not require or implicate a comparison of what was identified in the HELOC agreement to what was actually charged to the Borrower, there is a requirement of disclosure.  The file does not contain a Disbursement Itemization or HUD-1 to complete a comparison of fees identified on the HELOC Agreement.  Compliance testing is incomplete.     Active 3 3 D D D D D D D D D D N No testing able to be performed.
XXXX 9fd0f582-f0e6-e511-99e0-d8d385e0a8b2 XXXX 5 Compliance   3 day rescission period not provided The file did not contain a HUD Disbursement date to verify Right of Rescission adherence.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX cfdf7a90-f0e6-e511-99e0-d8d385e0a8b2 XXXX 2471 Compliance   584 – Final Title Report Missing       Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX 8f289996-f0e6-e511-99e0-d8d385e0a8b2 XXXX 1601 Compliance   HELOC fees not properly disclosed Loan file does not contain a disbursement statement or HUD-1 for complete Compliance Testing.     Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX ef3458a7-f0e6-e511-99e0-d8d385e0a8b2 XXXX 1644 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y No testing able to be performed.
XXXX 2f847592-efe6-e511-99e0-d8d385e0a8b2 XXXX 45 Compliance   Missing Early HELOC Disclosure       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX 505b9caf-f0e6-e511-99e0-d8d385e0a8b2 XXXX 1636 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y No testing able to be performed.
XXXX d0507dfb-f3e6-e511-99e0-d8d385e0a8b2 XXXX 2471 Compliance   584 – Final Title Report Missing       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX f22d9e0a-f4e6-e511-99e0-d8d385e0a8b2 XXXX 1644 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 103f7939-f5e6-e511-99e0-d8d385e0a8b2 XXXX 2360 Compliance   Missing Early HELOC Disclosure Early HELOC Disclosure is not properly dated, therefore cannot be verified as being sent within 3 days of application as required.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0f9b7b44-f5e6-e511-99e0-d8d385e0a8b2 XXXX 1692 Compliance   Missing Evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ef2d594e-f5e6-e511-99e0-d8d385e0a8b2 XXXX 1636 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX dc7e09a4-99b6-49f7-89c8-e05e15520656 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under disclosed by $X,XXX.XX. Seller concession reflected on final HUD is not itemized nor it is reflected on the copy of purchase contract.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX e585cd98-30f8-e511-99e0-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Borrower and the Co-Borrower.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a4b727f4-fff1-e511-99e0-d8d385e0a8b2 XXXX 1596 Compliance   Missing Right To Cancel Form       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e6907e3a-42f6-e511-99e0-d8d385e0a8b2 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 60077c21-89f5-e511-99e0-d8d385e0a8b2 XXXX 1597 Compliance   Failure to Obtain Final TIL       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a64bf743-8ffd-e511-99e0-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.  Appraisal is also missing a Building Sketch, Location Map and Plat Map.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 807e31aa-86f5-e511-99e0-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4bff7812-6e34-49af-a354-76882944a222 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 6e13827c-6efa-e511-99e0-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 0e9d88c7-371c-e611-86f5-d8d385e0a8b2 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX c605c0b3-23df-4c79-a149-ab67a33c106e XXXX 1587 Compliance   APR Under Disclosed APR Under Disclosed by XXXX% due to incorrect payment streams on final TIL. Final TIL reflects payment streams for a 40 year fixed rate. Loan is a 3 year ARM per Note.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c47c8c78-c25d-400b-b2e2-45e826150b90 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Spouse.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a834aee1-56c2-4bb5-b52f-b609433fdc1a XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 092933ae-5c18-e611-86f5-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 4af1341c-201d-e611-86f5-d8d385e0a8b2 XXXX 60 Compliance   Document Error Note payment documented incorrectly.  It appears internal standard procedures were not followed on the part of the lender in the reporting of the proper payment on the Note.  The correct payment per the Note in file is $X,XXX.XX.  The lender charged an Origination/Discount Fee which was financed into the loan.  Therefore the payment located on the Note reflects an amount based on the actual note amount of $XXX,XXX.XX minus the Origination/Discount Fee of $X,XXX.XX.  The adjusted amortized Note payment is added to the non-amortized Discount fee payment which is reflected on the Note. This is not standard reporting practice.

     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX e8dc7bd8-6ce4-4098-b66a-053184bc2f0a XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XXX.XX due to incorrect payment streams on final TIL. Final TIL reflects payment streams for a 25 year fixed rate. Loan is a 3 year ARM per Note.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 65ed8661-c0e7-4504-b673-fbd0b42a37c8 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 55809c50-901b-e611-86f5-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0d9e38ff-e416-e611-8544-d8d385e1d166 XXXX 1742 Compliance   Missing Appraisal       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 70dfc03b-2826-49a7-8ec6-9e84e4fdeb52 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 92e5be74-bb13-e611-8544-d8d385e1d166 XXXX 26 Compliance   Loan is subject to Mandatory Arbitration       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX bcd941ef-761c-e611-86f5-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 972cc1f5-bc13-e611-8544-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b64b00f6-a147-4faf-92a6-043cb395ccc4 XXXX 1587 Compliance   APR Under Disclosed APR Under Disclosed by XXXX% due to Discount Fee.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7536a380-7d1c-e611-86f5-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 00530e97-7d1c-e611-86f5-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7d78f476-8018-e611-86f5-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 80b4c766-1319-e611-86f5-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d7c4947b-910b-47e8-adff-6df5f46e9c14 XXXX 1587 Compliance   APR Under Disclosed APR Under Disclosed by XXXX% due to the Lender not including Discount fee.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d4acade8-831c-e611-86f5-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application Final 1003 in file does not have an acknowledgement date or signature and cannot be deemed Final.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1b7c65b8-5e1c-e611-86f5-d8d385e0a8b2 XXXX 1571 Compliance   Incorrect rescission model – Same lender refinance requires form H-9       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 23a18958-fb53-4ea8-9e1b-7f0fc9420f12 XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 7 days < 15 days required grace period permitted by the state of XXXX      Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX 437d43df-5b1c-e611-86f5-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX bb53eaf3-5b1c-e611-86f5-d8d385e0a8b2 XXXX 2151 Compliance   Missing mortgage insurance certificate       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX dbd3feba-8817-e611-8544-d8d385e1d166 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX db01820c-ec18-e611-86f5-d8d385e0a8b2 XXXX 1741 Compliance   Missing Final Application       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX c53f33f2-ed18-e611-86f5-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 91c960e3-12bf-47ec-bb13-e91f29b3b8b1 XXXX 3140 Compliance   584 - Final Title Report Missing     05/26/16 - Lender provided the Final Title Policy. Condition cleared. Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX 7ed93949-361e-e611-86f5-d8d385e0a8b2 XXXX 2072 Compliance   Missing evidence of Loan Approval       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 443edcd0-f220-443a-bf15-267e76a8a866 XXXX 1741 Compliance   Missing Final Application Application not found in file.      Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b4cfb3a1-0b1c-e611-86f5-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 641a8a91-51cd-45d5-ac74-de27a12a4cd6 XXXX 1587 Compliance   APR Under Disclosed APR Under Disclosed by XXXX% due to Invalid Index used.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 0fd1e703-73ca-473f-94c8-e5f71e1b9470 XXXX 1586 Compliance   Finance Charge Under Disclosed Finance Charge Under Disclosed by $XX,XXX.XX due to APR under disclosure.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX b89f20e6-2d52-e611-86f5-d8d385e0a8b2 XXXX 1923 Compliance   Payment Streams do not Reflect the Note Terms       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 802fbb36-0a74-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 27d039f5-82d3-43e5-a989-75e19c7eb509 XXXX 1742 Compliance   Missing Appraisal Appraisal is Missing.          Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 1e3f09c0-e974-e811-931d-f4e9d4a75a52 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 812fbb36-0a74-e811-931d-f4e9d4a75a52 XXXX 1596 Compliance   Missing Right To Cancel Form Right to Cancel form is missing from the file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 81038a74-067f-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.      Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 8efc2503-7e78-e811-931d-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.     Active 3 3 D D D D D D D D D D N No testing able to be performed.
XXXX 8ffc2503-7e78-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.      Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX 83eae37b-7f78-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is Missing.        Active 3 3 D D D D D D D D D D N No testing able to be performed.
XXXX 3365a4bc-7f78-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application Missing Final Application.     Active 2 2 B B B B B B B B B B N No testing able to be performed.
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX e5a61fbb-bd74-e811-931d-f4e9d4a75a52 XXXX 1596 Compliance   Missing Right To Cancel Form Right to Cancel form is missing from the file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 13e6aa0d-8278-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Lender of Record Date - Lender of Record application date not available in loan file. 30 days prior to note date used and the loan passes compliance testing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX defc8fa7-85fd-4449-bbf3-d2bbbf23a6ba XXXX 1741 Compliance   Missing Final Application Missing Final Application     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 04ab5540-55bd-4201-af5f-5afa4eabbb72 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Borrower.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX fcc4643c-8183-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX fab269ca-8183-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX fdc4643c-8183-e811-931d-f4e9d4a75a52 XXXX 1596 Compliance   Missing Right To Cancel Form Right to Cancel form is missing from the file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 30c0d957-00f3-485a-a3c3-b04cf7bc5fb6 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX ba29766c-f07e-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application The HMDA Section of the Final loan application is missing the borrower's race.       Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX f2e9db26-2f7f-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 96a5beea-ebb9-4892-93bf-106a21c35aa1 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date General Compliance Exception – Missing Lender of Record Date - Lender of Record application date not available in loan file. 30 days prior to note date used and the loan fail compliance testing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX e58d58a6-2f7f-e811-931d-f4e9d4a75a52 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 80f1ae80-6b80-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d4f1aa94-7ac8-48ae-bfe7-039a84b00544 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Lender of Record Date - Lender of Record application date not available in loan file. 30 days prior to note date used and the loan passes compliance testing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX e3d982fe-5081-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 49253ae5-5381-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Lender of Record application date not available in loan file. 30 days prior to note date used and the loan fails compliance testing. Additional findings may occur upon receipt of Lender of Record application date.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 513a1397-5181-e811-931d-f4e9d4a75a52 XXXX 2151 Compliance   Missing mortgage insurance certificate Missing mortgage insurance certificate.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 7adbbe52-5581-e811-931d-f4e9d4a75a52 XXXX 1596 Compliance   Missing Right To Cancel Form Right to Cancel form is missing from the file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX c5da09a8-8881-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Compliance Exception – Missing Lender of Record Date - Lender of Record application date not available in loan file. 30 days prior to note date used and the loan passes compliance testing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX   XXXX X Credit   No Finding       Cleared 1 1 A A A A A A A A A A Y Final HUD used for testing
XXXX 9a1c13eb-6180-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d897d44f-5f80-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing the pictures for both the subject property and the comparables.          Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 70e314fb-5b80-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application Missing Final Application     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 9b1c13eb-6180-e811-931d-f4e9d4a75a52 XXXX 1596 Compliance   Missing Right To Cancel Form Right to Cancel form is missing from the file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 5c62de1c-d1c6-4d8c-a34e-47ab1615710c XXXX 1608 Compliance   Loan Late Charge Parameters Exceeds State Thresholds 5% > 3% maximum late fee allowed by the XXXX.     Active 3 3 C C C C C C C C C C Y Final HUD used for testing
XXXX efe0108c-a380-e811-931d-f4e9d4a75a52 XXXX 6 Compliance   Right to Cancel form not properly executed Right to Cancel form is missing from the file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX e8d23136-3f81-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL in the loan file is not signed by the Borrower.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 1e8a0899-dd20-4110-8b1f-d59757551f7d XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d8c4e36c-5881-e811-931d-f4e9d4a75a52 XXXX 3140 Compliance   584 - Final Title Report Missing       Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 6f180ddb-4881-e811-931d-f4e9d4a75a52 XXXX 1595 Compliance   Failure to Obtain Final HUD-1 Missing Final HUD – Compliance testing is not complete. Additional findings may occur upon receipt of Final HUD.   4/26/19 - HUD provided Cleared 3 1 D A D A D A D A D A Y Final HUD used for testing
XXXX 70180ddb-4881-e811-931d-f4e9d4a75a52 XXXX 1597 Compliance   Failure to Obtain Final TIL Final TIL is missing from the loan file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX d0678aca-5881-e811-931d-f4e9d4a75a52 XXXX 3375 Compliance   General Compliance Exception – Missing Lender of Record Date Missing Lender of Record Date - Lender of Record application date not available in loan file. 30 days prior to note date used and the loan passes compliance testing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX c2f827e6-5881-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is Missing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX e847f58e-5881-e811-931d-f4e9d4a75a52 XXXX 2072 Compliance   Missing evidence of Loan Approval The loan approval is missing.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 70126344-5881-e811-931d-f4e9d4a75a52 XXXX 1741 Compliance   Missing Final Application Missing Final Application.
     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 70fae242-a197-4021-821b-d6aa32f05bf9 XXXX 1739 Compliance   Missing Mortgage Mortgage in file is missing pages 13-15.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX c17ed0ee-077f-e811-931d-f4e9d4a75a52 XXXX 48 Compliance   Missing Affiliated Business Disclosure Missing affiliated business disclosure.     Active 2 2 B B B B B B B B B B Y  
XXXX 77cbb55c-8658-449e-9404-357e5e92690f XXXX 3326 Compliance   Missing E Consent Disclosure Missing E Consent disclosure.     Active 2 2 B B B B B B B B B B Y  
XXXX 591c5174-6b80-e811-931d-f4e9d4a75a52 XXXX 50 Compliance   FACTA - Notice to Home Loan Applicant & Consumer Score Disclosure not provided FACTA - Notice to Home Loan Applicant & Consumer Score Disclosure not provided.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 581c5174-6b80-e811-931d-f4e9d4a75a52 XXXX 48 Compliance   Missing Affiliated Business Disclosure Missing Affiliated Business Disclosure.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX a9f187ac-6980-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 561c5174-6b80-e811-931d-f4e9d4a75a52 XXXX 1672 Compliance   Missing Initial Escrow Account Disclosure The Initial Escrow Disclosure is missing.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX fe5eba27-6b80-e811-931d-f4e9d4a75a52 XXXX 2174 Compliance   Missing Rate Lock Agreement Missing evidence of original lock date. Compliance testing will need to be reviewed once received.      Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX 5a1c5174-6b80-e811-931d-f4e9d4a75a52 XXXX 1596 Compliance   Missing Right To Cancel Form Right to Cancel form is missing from the file.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 571c5174-6b80-e811-931d-f4e9d4a75a52 XXXX 1674 Compliance   Missing Servicing Disclosure Statement The Servicing Disclosure is missing.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 37207371-8b80-e811-931d-f4e9d4a75a52 XXXX 50 Compliance   FACTA - Notice to Home Loan Applicant & Consumer Score Disclosure not provided FACTA - Notice to Home Loan Applicant & Consumer Score Disclosure not provided     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX be3a9af9-8b80-e811-931d-f4e9d4a75a52 XXXX 1742 Compliance   Missing Appraisal Appraisal is missing from the file.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing
XXXX dc5b2800-8c80-e811-931d-f4e9d4a75a52 XXXX 2151 Compliance   Missing mortgage insurance certificate Missing mortgage insurance certificate.     Active 2 2 B B B B B B B B B B Y Final HUD used for testing
XXXX 3677ef1c-8c80-e811-931d-f4e9d4a75a52 XXXX 2174 Compliance   Missing Rate Lock Agreement Missing evidence of original lock date. Compliance testing will need to be reviewed once received.     Active 3 3 D D D D D D D D D D Y Final HUD used for testing